Is There Inheritance Tax in the USA?

When it comes to planning for the future, understanding how inheritance tax works — both in the USA and the UK — is crucial for individuals and families alike. The United States and the United Kingdom take very different approaches to taxing wealth transfers after death, and if you have connections to both countries, or you’re simply trying to understand the differences, getting clarity is essential.

In the USA, the federal government imposes an estate tax on the transfer of assets, and a handful of states also levy their own inheritance taxes on beneficiaries. In the UK, the system is entirely different — HMRC charges inheritance tax (IHT) at 40% on estates above certain thresholds. We can help you understand how the UK system works and ensure that your estate is properly protected.

To safeguard your legacy, it’s vital to seek professional guidance. You can fill out our contact form, call us at 0117 440 1555, or book a call with our team of specialists today.

Key Takeaways

• The USA has a federal estate tax with a very high threshold (currently around $13.6 million per person), and six states impose their own inheritance taxes — but the system is fundamentally different from the UK’s.
• The UK charges inheritance tax (IHT) at 40% on estates above the nil rate band of £325,000 per person, with additional relief available when the family home passes to direct descendants.
• Understanding the differences between US estate tax and UK inheritance tax is crucial for effective estate planning, especially if you have assets in both countries.
• Seeking specialist guidance can help protect your estate from unnecessary taxation using legitimate, tax-efficient strategies.
• Effective estate planning — including the use of lifetime trusts — can help safeguard your legacy for future generations.

Understanding Inheritance Tax: An Overview

Understanding inheritance tax is crucial for effective estate planning and ensuring your loved ones are protected. Inheritance tax, often a complex and misunderstood aspect of financial planning, can significantly reduce the assets you leave behind — sometimes by hundreds of thousands of pounds.

What is Inheritance Tax?

Inheritance tax is a tax charged on the estate of a deceased person. In the UK, it’s levied on the total value of the estate — not on individual beneficiaries. HMRC calculates the tax on everything the deceased owned at death, including property, savings, investments, and personal possessions, minus any debts and allowable deductions. Transfers between spouses and civil partners are generally exempt, and the first £325,000 of any estate (the nil rate band) is tax-free. An additional £175,000 residence nil rate band (RNRB) may be available when a qualifying home is passed to direct descendants such as children, grandchildren, or step-children — but crucially, it is not available when assets pass to siblings, nieces, nephews, or friends.

How is Inheritance Tax Different from Estate Tax?

Many people confuse inheritance tax with estate tax, but they work differently depending on the country. In the USA, estate tax is charged on the total value of the deceased’s estate before assets are distributed — but only estates above a very high federal threshold (currently around $13.6 million per person) are affected. In the UK, inheritance tax is also levied on the estate rather than on individual beneficiaries, but the threshold is far lower at £325,000 per person — a figure that has been frozen since 2009. Understanding these differences is essential, particularly if you hold assets in both countries.

• US estate tax: Charged on the estate, with a very high exemption threshold that excludes the vast majority of Americans.
• UK inheritance tax: Charged on the estate at 40% above the nil rate band of £325,000 — catching far more ordinary families, especially homeowners in England where the average property is now worth around £290,000.

Key Differences Between the USA and the UK

The most striking difference is the threshold. In the USA, the federal estate tax exemption is so high that only around 0.1% of estates are affected. In the UK, the nil rate band of £325,000 has been frozen since 2009 and will remain frozen until at least April 2031. With the average home in England now worth around £290,000, ordinary homeowners are increasingly caught by IHT — something that was once considered a tax only for the wealthy. Additionally, six US states (Iowa, Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania) impose their own inheritance taxes on beneficiaries, while the UK has a single, nationwide system administered by HMRC.

We recommend consulting with a specialist estate planning professional to navigate these complexities and ensure you’re making the most informed decisions for your situation.

Inheritance Tax in the United Kingdom

Understanding inheritance tax in the UK is vital for protecting your family’s assets. England invented trust law over 800 years ago, and the UK has a well-established inheritance tax system with specific rules, allowances, and reliefs that can significantly impact your estate — for better or worse, depending on whether you plan ahead.

The Basics of UK Inheritance Tax

Inheritance tax (IHT) in the UK is levied on the estate of a deceased person, including their property, money, investments, and other assets. The tax is typically paid by the executors or administrators of the estate before any assets are distributed to the beneficiaries. IHT must usually be paid within six months of death, or interest begins to accrue.

Key Facts:

• The nil rate band (NRB) is £325,000 per person — frozen since April 2009 and confirmed frozen until at least April 2031.
• The residence nil rate band (RNRB) adds an extra £175,000 per person, but only when a qualifying home is passed to direct descendants (children, grandchildren, or step-children). It is not available for gifts to siblings, nieces, nephews, or friends. The RNRB also begins to taper away by £1 for every £2 that the estate value exceeds £2,000,000.
• For a married couple or civil partners, the combined maximum tax-free allowance can reach £1,000,000 (£650,000 NRB + £350,000 RNRB) — because unused allowances transfer to the surviving spouse.
• A reduced rate of 36% applies if at least 10% of the net estate is left to charity.

The fact that the NRB has not increased with inflation since 2009 — despite house prices rising significantly — is the single biggest reason ordinary homeowners are now caught by IHT. As Mike Pugh puts it: “Trusts are not just for the rich — they’re for the smart.”

Current Inheritance Tax Rate in the UK

The standard inheritance tax rate in the UK is 40% on the value of the estate above the available nil rate band. For a single person with no RNRB entitlement, that means everything above £325,000 is taxed at 40%. On an estate worth £500,000, that’s a potential IHT bill of £70,000. For a couple who can use the full £1,000,000 combined allowance, only estate value above that threshold is taxed.

Exemptions and Reliefs Available

Several exemptions and reliefs are available under UK inheritance tax law, and understanding them is the foundation of effective inheritance tax planning:

• Spouse/civil partner exemption: Transfers between spouses or civil partners are completely exempt from IHT, with no upper limit.
• Annual gift exemption: Each person can give away £3,000 per tax year free of IHT, with one year’s carry-forward if unused.
• Small gifts: Up to £250 per recipient per tax year (cannot be combined with the £3,000 annual exemption for the same person).
• Wedding gifts: £5,000 from a parent, £2,500 from a grandparent, £1,000 from anyone else.
• Normal expenditure out of income: Regular gifts made from surplus income (not capital) are exempt, provided they don’t affect the donor’s standard of living. These must be properly documented.
• The 7-year rule: Gifts to individuals (potentially exempt transfers, or PETs) fall outside the estate completely if the donor survives seven years. If the donor dies within 3-7 years, taper relief may reduce the tax payable — but only on gifts that exceed the nil rate band.
• Business Property Relief (BPR) and Agricultural Property Relief (APR): Can provide 50% or 100% relief on qualifying business and agricultural assets. From April 2026, 100% relief will be capped at the first £1 million of combined business and agricultural property, with 50% relief on the excess.
• Charity exemption: Gifts to registered charities are fully exempt from IHT.

For more detailed guidance on inheritance tax planning in specific regions, you can visit our page on Inheritance Tax Planning in Reading.

By understanding and utilising these exemptions and reliefs — ideally years in advance — you can significantly reduce your inheritance tax liability. Plan, don’t panic.

Inheritance Tax Legislation in the USA

Understanding the intricacies of US inheritance and estate tax legislation helps put the UK system into perspective. The two countries take fundamentally different approaches to taxing wealth on death.

Federal vs. State Inheritance Taxes

The USA has a dual system when it comes to death-related taxes. At the federal level, the estate tax applies to the transfer of a deceased person’s assets — but the exemption threshold is extremely high. Currently, the federal estate tax exemption is approximately $13.6 million per person (around £10.8 million). This means that fewer than 0.1% of American estates pay any federal estate tax at all.

In contrast, six states impose their own inheritance taxes: Iowa, Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania. In these states, the tax is paid by the beneficiaries who receive the assets, with rates and exemptions varying based on the relationship between the deceased and the heir. Some states also have their own estate taxes with lower thresholds than the federal level.

Key points to consider:

• The federal estate tax exemption is so high that the vast majority of American estates pay nothing. This is fundamentally different from the UK, where the £325,000 nil rate band catches far more ordinary families.
• State-level inheritance taxes can significantly impact estates in the six affected states, with rates ranging from around 1% to 18% depending on the state and relationship to the deceased.
• Maryland is the only state that imposes both a state estate tax and a state inheritance tax.

Recent Changes and Trends in Legislation

US estate and inheritance tax laws are subject to regular change. The current elevated federal exemption of approximately $13.6 million is due to the Tax Cuts and Jobs Act of 2017, but this provision is scheduled to sunset at the end of 2025 — which could see the exemption roughly halved to around $7 million per person. This has created urgency among wealthier Americans to plan ahead.

In the UK, the direction has been quite different. Rather than increasing thresholds, the government has frozen the nil rate band at £325,000 since 2009, steadily pulling more ordinary homeowners into the IHT net through fiscal drag. From April 2027, inherited pensions will also become liable for IHT for the first time — a significant change that will affect many families who assumed their pension savings sat outside the tax net. Additionally, from April 2026, changes to Business Property Relief and Agricultural Property Relief will cap 100% relief at the first £1 million of qualifying assets.

The lesson is the same in both countries: tax laws change, and the only way to protect yourself is to plan ahead with specialist guidance. As Mike Pugh says: “The law — like medicine — is broad. You wouldn’t want your GP doing surgery.”

How Inheritance Tax Affects Your Estate

Understanding how inheritance tax impacts your estate is crucial for effective estate planning. In the UK, IHT can take 40% of everything above your nil rate band — and with the average home in England now worth around £290,000, even a modest estate with a property, some savings, and a pension can breach the threshold.

What Constitutes Your Estate?

For IHT purposes, HMRC considers your estate to be everything you own at death, minus any debts. This includes:

• Property: Your main residence, any buy-to-let or investment properties, and holiday homes
• Savings and investments: Cash, bank accounts, ISAs, stocks, shares, and investment portfolios
• Pensions: From April 2027, inherited pensions will be included in the estate for IHT purposes
• Personal possessions: Vehicles, jewellery, artwork, furniture, and other valuables
• Life insurance: Payouts from policies not written in trust are added to the estate
• Gifts made within 7 years: Potentially exempt transfers (PETs) are brought back into the estate if the donor dies within seven years

Assessing Your Estate’s Value

To assess your estate’s value and potential IHT liability, you need to total up all your assets and subtract any debts (mortgages, loans, outstanding bills). Here’s a typical example:

In this example, a single person with only the standard nil rate band of £325,000 could face an IHT bill of £102,000 (40% of £255,000). Even with the RNRB — assuming the home passes to direct descendants — the bill could still be £32,000. For expert guidance on inheritance tax planning, consider consulting professionals who specialise in this area.

Key Considerations for Estate Planning

Effective estate planning involves more than just understanding your estate’s value. It requires considering various strategies to reduce your IHT liability — legally and well in advance. Some key considerations include:

• Gifting: Using your annual exemptions (£3,000 per year) and making potentially exempt transfers to reduce your estate’s value over time. Remember, gifts to individuals only fall outside the estate entirely if you survive seven years. It’s also important to note that gifts into discretionary trusts are not PETs — they are chargeable lifetime transfers (CLTs), which are treated differently. For most family homes below the nil rate band, the entry charge on a CLT is zero.
• Lifetime trusts: Placing assets — particularly your home — into a properly structured lifetime trust, such as a discretionary trust, can protect them from IHT, care fees, and other threats. A trust is a legal arrangement (not a separate legal entity) where trustees hold assets for the benefit of named beneficiaries. The trustees are the legal owners, while the beneficiaries hold the beneficial interest. Trusts are not just for the rich — they’re for the smart.
• Life insurance in trust: Writing a life insurance policy into trust ensures the payout goes directly to your beneficiaries without being added to your estate for IHT purposes. This alone can save your family 40% of the policy value.

By carefully planning your estate and considering the implications of inheritance tax, you can ensure that your loved ones receive the maximum benefit from what you’ve worked a lifetime to build.

Ways to Mitigate Inheritance Tax Liability

Mitigating inheritance tax liability is a crucial aspect of estate planning that can save your family tens — or hundreds — of thousands of pounds. Whether you’re comparing the UK system with the US or simply focused on protecting your own estate, understanding the strategies available is essential.

Gifts and Trusts: Effective Strategies

In the UK, gifting assets during your lifetime is one of the most straightforward ways to reduce your estate’s value. Each person has an annual gift exemption of £3,000, and gifts to individuals (potentially exempt transfers) fall entirely outside the estate if you survive seven years. Regular gifts made from surplus income — provided they don’t affect your standard of living and are properly documented — are also exempt under the normal expenditure out of income rule.

Lifetime trusts are one of the most powerful tools available for IHT planning. A discretionary trust, for example, allows trustees to hold assets for the benefit of named beneficiaries, with the flexibility to adapt to changing family circumstances. No beneficiary has an automatic right to income or capital — this is the key protection mechanism. When structured correctly as an irrevocable lifetime trust, assets can be removed from the settlor’s estate for IHT purposes. Most family trusts where the home’s value falls within the nil rate band attract no entry charge at all.

• Annual gifting: Use your £3,000 annual exemption each year — and don’t forget the carry-forward of one unused year.
• Lifetime trusts: Consider a properly structured discretionary trust to protect your home and other assets. Trusts from MP Estate Planning start from £850 — roughly the cost of one week’s care fees.
• Charitable donations: Gifts to registered charities are exempt from IHT, and leaving 10% or more of your net estate to charity reduces the IHT rate from 40% to 36%.

The Role of Life Insurance

Life insurance can play a pivotal role in inheritance tax planning — but only if the policy is written into trust. If a life insurance payout is made to your estate, it gets added to the estate value and taxed at 40% above the nil rate band. However, if the policy is written into a life insurance trust, the payout goes directly to the named beneficiaries, bypassing the estate entirely.

Key benefits of life insurance written in trust:

1. The payout bypasses the estate completely and is not subject to IHT.
2. Beneficiaries can access the money quickly, without waiting for the probate process to complete.
3. It can be used to cover any remaining IHT liability on other estate assets, ensuring nothing needs to be sold.

MP Estate Planning typically sets up life insurance trusts at no additional cost — making it one of the simplest and most effective planning steps available.

Importance of Professional Specialist Advice

Navigating the complexities of inheritance tax planning requires specialist guidance. General financial advisers may understand investments, but IHT planning — particularly involving trusts and property — requires a specialist who understands trust law and how it interacts with the tax system.

By seeking specialist estate planning advice, you can:

• Ensure your estate plan is optimised for tax efficiency using legitimate strategies.
• Stay ahead of changes to inheritance tax legislation — such as pensions becoming liable for IHT from April 2027 and the changes to BPR/APR from April 2026.
• Properly structure gifts and trusts to achieve real protection, not just a false sense of security.

The law — like medicine — is broad. You wouldn’t want your GP doing surgery, and you shouldn’t trust your estate planning to a generalist. Not losing the family money provides the greatest peace of mind above all else.

Inheritance Tax Planning Tips

As you plan for the future, understanding inheritance tax and how to mitigate its impact is essential for protecting your family’s financial well-being. Effective planning can help ensure that your loved ones receive the maximum benefit from your estate — rather than HMRC taking 40% of everything above the threshold.

Setting Up a Will or Trust

One of the most critical steps in inheritance tax planning is ensuring you have a proper will in place — and considering whether a lifetime trust could provide additional protection. A will determines how your assets are distributed on death, but assets passing through a will still go through probate, which means delays (typically 3-12 months for the full process, and longer if property needs to be sold), frozen bank accounts, and the will becoming a public document once the Grant of Probate is issued.

A lifetime trust — particularly a discretionary trust — goes further. Assets placed into trust during your lifetime are held by trustees for the benefit of your chosen beneficiaries. Because the trustees are the legal owners, trust assets bypass probate entirely — trustees can act immediately on the settlor’s death. A properly structured irrevocable trust can also reduce your IHT liability while protecting those assets from threats such as care fees, divorce, bankruptcy, and sideways disinheritance. For example, Mike’s Family Home Protection Trust (Plus) is specifically designed to protect the family home while retaining key IHT reliefs including the residence nil rate band.

Importance of Regularly Updating Your Will

It’s not enough to simply create a will or trust; it’s equally important to review and update these documents regularly. Changes in your personal circumstances, family relationships, financial situation, or tax laws can all impact the effectiveness of your estate plan.

In the UK, your will is automatically revoked by marriage (unless it was made in anticipation of that marriage) — something many people don’t realise. Divorce doesn’t revoke a will, but it does affect provisions made for the former spouse. Tax law changes — like pensions becoming liable for IHT from April 2027 — can also make an existing plan inadequate overnight. We advise reviewing your will and any trust arrangements every three to five years or whenever significant life events occur, such as marriage, divorce, the birth of a child or grandchild, or a substantial change in assets.

Common Mistakes to Avoid

When it comes to inheritance tax planning, there are several common pitfalls that can cost your family dearly:

• Failing to plan at all: The single biggest mistake. Around 60% of UK adults don’t have a will, let alone a trust or IHT strategy. Without planning, HMRC gets paid first.
• Assuming trusts are only for the wealthy: With the average home in England worth around £290,000 and the NRB frozen at £325,000, ordinary homeowners are the people who most need protection. Trusts from MP Estate Planning start from £850.
• Gifting your home but continuing to live in it: This triggers the gift with reservation of benefit (GROB) rules, meaning HMRC treats the property as still in your estate — even if you survive seven years. A properly structured lifetime trust avoids this problem.
• Confusing a revocable trust with real protection: A revocable trust provides no IHT benefit because HMRC treats the assets as still belonging to the settlor. Irrevocable trusts are the standard for meaningful asset protection and IHT planning.
• Not seeking specialist advice: General solicitors and financial advisers may not have the specialist trust and IHT knowledge needed. Estate planning is a specialist field.
• Failing to update your plan: Tax laws change, family circumstances change, and a plan that was right five years ago may be wrong today.

For more information on how to effectively plan for inheritance tax, we invite you to visit our website at https://mpestateplanning.uk/. Our team is dedicated to providing expert guidance to help you navigate the complexities of estate planning and minimise your tax liability.

Impact of Inheritance Tax on Families

The impact of inheritance tax on families is multifaceted, involving both financial and emotional considerations that need careful planning. When a family member passes away, the burden of inheritance tax can be significant, affecting not just their financial stability but also relationships within the family.

Emotional and Financial Considerations

Inheritance tax can have a profound emotional impact on families. The loss of a loved one is already a difficult experience, and discovering that HMRC will take 40% of everything above the nil rate band — potentially forcing the sale of the family home to pay the tax bill — can be devastating. Between 40,000 and 70,000 homes are sold each year in the UK to fund care fees, and many more face pressure from IHT liabilities.

From a financial perspective, the IHT bill must typically be paid within six months of death, but the Grant of Probate (needed to access the deceased’s sole-name assets) can take months to obtain. This creates a painful situation where the family may need to borrow money or arrange payment on account to meet the tax deadline — all while grieving. During probate, all sole-name bank accounts, property, and investments are frozen. Where the family home is the main asset, families may have no choice but to sell it, losing not just a financial asset but a place of memories and stability.

Case Studies: How Different Families Prepared

Different families have approached inheritance tax planning in different ways, with very different outcomes.

One couple in their late sixties, for example, decided to place their family home — worth around £350,000 — into a Family Home Protection Trust. Because the property value was within the nil rate band, there was no entry charge to establish the trust. When one partner later needed residential care, the property was protected from being assessed as a personal asset, because the trust — not the individual — held the beneficial interest. The surviving partner was able to continue living in the home. The trust cost them the equivalent of roughly one week of care fees — a one-off payment that protected the family from potential costs of £1,200 to £1,500 per week for the duration of care.

Another family chose to consult with a specialist about their combined estate, which included a family home, savings, and two pensions. By restructuring their estate plan — including writing their life insurance policies into trust and establishing a Gifted Property Trust for a portion of the property to start the 7-year clock — they were able to reduce their projected IHT liability from over £100,000 to effectively zero.

These examples highlight the importance of proactive planning and seeking specialist advice. As Mike Pugh puts it: “Keeping families wealthy strengthens the country as a whole.” By planning years in advance, families can ensure that their legacy is preserved and their loved ones are protected from unnecessary financial burdens.

Seeking Professional Help for Inheritance Tax

Understanding the intricacies of inheritance tax is vital, and consulting a specialist can provide clarity and peace of mind. Inheritance tax planning is a complex field that requires a deep understanding of trust law, HMRC rules, and how different strategies interact — not just a general knowledge of finance.

When to Consult a Specialist

We recommend consulting a specialist estate planning professional when:

• Your estate (including property, savings, pensions, and other assets) is likely to exceed the nil rate band of £325,000 — or the combined threshold if you’re married or in a civil partnership.
• You own property and want to protect it from care fees, IHT, divorce, or sideways disinheritance.
• You’re considering establishing a lifetime trust or transferring property into trust.
• You have a blended family or complex family situation where a standard will may not adequately protect everyone.
• You want to understand how upcoming changes — such as pensions becoming subject to IHT from April 2027 or BPR/APR reforms from April 2026 — will affect your estate.

For instance, if you’re planning to protect your family home, a specialist can explain the difference between a Family Home Protection Trust, a Gifted Property Trust, and a Settlor Excluded Asset Protection Trust — and recommend which is right for your circumstances. You can find more information on our services at https://mpestateplanning.uk/inheritance-tax-planning/inheritance-tax-planning-in-lulsgate-bottom-2/.

How to Choose the Right Specialist

Choosing the right estate planning specialist is crucial. Look for professionals who focus specifically on trust-based estate planning and IHT mitigation — not general solicitors or financial advisers who treat estate planning as a side service.

1. Check their specialisation: Do they work with trusts daily, or is it a small part of a broader practice? Estate planning requires deep expertise in trust law.
2. Ask about their approach: Good specialists will conduct a thorough analysis of your estate — ideally using a structured threat assessment — before recommending any product. MP Estate Planning uses its proprietary Estate Pro AI, a 13-point threat analysis, to identify every vulnerability in your estate.
3. Look for transparency on pricing: MP Estate Planning is the first and only company in the UK that actively publishes all prices on YouTube. Be cautious of firms that won’t discuss costs upfront.
4. Ensure they understand trust law: The specialist should be able to explain the difference between discretionary trusts, bare trusts, and interest in possession trusts — and why the distinction matters for IHT and asset protection. A bare trust, for example, provides no IHT benefit and no protection from care fees or divorce, because the beneficiary has an absolute right to the assets at age 18.

Benefits of Professional Estate Management

Professional estate management offers concrete, measurable benefits:

• Reduced IHT liability: A properly structured irrevocable lifetime trust can remove assets from your estate for IHT purposes, potentially saving your family 40% of the value above the nil rate band.
• Protection from care fees: Assets held in a discretionary trust are not personally owned by you — they’re held by trustees for the benefit of your family. This can protect them from local authority assessment, provided the trust was established years before any foreseeable need for care arose. There is no fixed time limit for deprivation of assets claims (unlike the 7-year IHT rule), but the longer the gap between establishing the trust and any need for care, the stronger the position.
• Bypassing probate delays: Trust assets pass outside probate, meaning trustees can act immediately on the settlor’s death without waiting months for a Grant of Probate. During probate, all sole-name assets are frozen — trust assets are not.
• Privacy: A will becomes a public document once the Grant of Probate is issued — anyone can obtain a copy for a small fee. A trust deed remains private and is not publicly accessible. Trusts must be registered on the Trust Registration Service (TRS), but this register is not publicly accessible like Companies House.
• Peace of mind: Knowing your estate is properly structured means your family won’t face unnecessary tax bills, legal disputes, or forced property sales at the worst possible time.

When you compare the cost of a trust — from £850 for a straightforward arrangement — to the potential costs of IHT (£70,000+ on a £500,000 estate) or care fees (£1,200-£1,500 per week), it’s one of the most cost-effective forms of protection available.

Contact Us for Expert Guidance

Understanding the differences between US estate tax and UK inheritance tax is valuable context — but what matters most is how these rules affect your family and your assets. While the US federal estate tax exemption is so high that most Americans are unaffected, the UK’s frozen nil rate band of £325,000 means that ordinary homeowners are increasingly caught by IHT. The good news is that with proper planning using legitimate, tax-efficient strategies, much of this tax can be reduced or eliminated.

Protecting Your Legacy

To safeguard your assets, it’s essential to take action well in advance. Whether you need a Family Home Protection Trust, a Gifted Property Trust, life insurance written in trust, or simply a comprehensive review of your current estate plan, our team of specialists can help. We use our proprietary Estate Pro AI — a 13-point threat analysis — to identify every vulnerability in your estate and recommend the most effective solutions. Plan, don’t panic.

Get in Touch with Our Team

If you’re concerned about the impact of inheritance tax on your estate — or if you simply want to understand your options — we encourage you to contact us. You can fill out our contact form or call us at 0117 440 1555 to discuss your situation. Our specialists will provide personalised advice based on your specific circumstances, helping you protect what you’ve worked a lifetime to build.

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