Wealth Transfer And Inheritance Tax Planning

Careful inheritance planning ensures wealth transfers to the next generation with clarity and intent. We’re here to help you leverage trusts, lifetime gifts, pensions, and charitable giving to reduce inheritance tax, protect family wealth, and create a transfer strategy that secures your legacy on your terms.

Protecting Your Family, Preserving Your Legacy

Inheritance tax can erode wealth, while unclear plans often spark family disputes. Planning how your loved ones will inherit your wealth in advance isn’t just about how much is left when you’re gone. It’s about giving the people who matter most clarity, at one of the hardest times in their lives.

Whether through trusts for inheritance tax planning, lifetime gifts, or pension and charitable strategies, we help you reduce IHT and design a wealth transfer plan that reflects your values. The result is intergenerational wealth planning that preserves family harmony and ensures your legacy reaches the next generation intact, and on your terms.

Minimising Inheritance Tax

Without the right strategy, inheritance tax can take a significant share of your estate. We create tailored IHT planning that makes full use of allowances, pensions and charitable options, helping you reduce tax exposure and pass on more to your heirs.

Trusts and Structures

Trusts for inheritance tax planning give you control over how, when, and to whom wealth is transferred. We help set up inheritance trusts, from discretionary to bare trusts, that protect assets, reduce IHT exposure, and secure the future you want for your heirs.

Lifetime Gifts & Reliefs

Gifting during your lifetime can be one of the best ways to reduce inheritance tax. We guide you through allowances, exemptions, and reliefs to ensure lifetime gifts support your family now while easing the inheritance tax burden later.

Business & Property Succession

Family businesses, farms, and property holdings need careful wealth transfer planning. We use reliefs and succession strategies to protect business continuity, preserve property for future generations, and mitigate inheritance tax on valuable assets.

Cross-Border & Expat Advice

For internationally minded families, inheritance planning must work across borders. We create wealth transfer strategies that work across jurisdictions, aligning with inheritance tax rules in multiple countries, preventing double taxation, and ensuring families living worldwide can transfer wealth smoothly across generations.

Family Harmony & Legacy

Unclear inheritance plans can divide families. We focus on intergenerational wealth planning that reduces conflict, safeguards vulnerable beneficiaries, and ensures your wealth reflects your values. The goal isn’t purely to protect your assets, but preserve relationships and memories for generations to come.

Inheritance Planning For Generations

Effective inheritance planning isn’t one-size-fits-all. It combines tax efficiency, trusts, gifting, and succession strategies to ensure wealth transfer happens smoothly, across generations and borders. These are the core elements we focus on to minimise inheritance tax, protect family harmony, and secure your legacy.

For Those Ready to Put Their Wealth to Work

We work with investors who want their money managed with purpose, structure, and a clear link to their long-term goals.

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Families seeking tax-efficient wealth transfer

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

HNW and UHNW clients with complex estates

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Expats managing assets across jurisdictions

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Business owners planning succession

Reduce inheritance tax and protect family wealth with expert inheritance planning. Tailored wealth transfer strategies for families, expats and business owners.

Individuals including trusts or gifts in their legacy

Your Family. Your Wealth. Their Future.

Inheritance planning prepares for tomorrow so your family doesn’t face unnecessary risk, cost or conflict. It ensures your wealth is passed on with clarity, tax efficiency and security, supporting those you care about long after you’re gone.Effective planning brings together trusts, lifetime gifts, pensions and charitable giving, so wealth transfers smoothly and in line with your intentions. Without it, families can be left with avoidable inheritance tax bills, legal disputes and the erosion of what you worked hard to provide.We help you structure inheritance planning that reduces IHT, protects family assets and makes sure wealth is transferred as you intend. Whether that means setting up an inheritance trust, supporting children and grandchildren, planning business succession or managing cross-border estates, we ensure your family’s future is protected and your wishes are carried out.

FAQs

Inheritance tax planning and wealth transfer raise complex questions that standard guides rarely answer. These are some of the most common questions we help clients resolve.

The best way to transfer wealth depends on your circumstances, but common strategies include inheritance trusts, lifetime gifts, pensions and charitable giving. Wealth transfer planning aligns these tools to reduce inheritance tax, protect family wealth and ensure intergenerational wealth transfer happens smoothly. A tailored wealth transfer strategy helps you decide how much to give, when to pass it on and how to protect it for the next generation.

Inheritance tax planning reduces liabilities by making use of allowances, exemptions and reliefs, while structuring your estate to be as tax-efficient as possible. With the right IHT planning, you can minimise the tax due on property, investments, businesses or farms, ensuring more of your wealth is passed to your heirs. A financial adviser for inheritance can show you how trusts, pensions and charitable giving can reduce inheritance tax in line with your goals.

Trusts and inheritance tax planning go hand in hand, but a trust isn’t always necessary. Inheritance trusts, such as discretionary trusts or bare trusts, can help reduce IHT, protect vulnerable beneficiaries and control how and when wealth is transferred. However, trusts are just one part of inheritance planning. Lifetime gifts, pensions and other structures can also help reduce inheritance tax while supporting wealth transfer to the next generation.

Lifetime gifts are a powerful way to reduce inheritance tax exposure. Certain gifts fall within annual allowances, while others may be exempt if you survive seven years after making them. Used effectively, lifetime trusts and inheritance tax gifting strategies allow you to support children and grandchildren now, while reducing the inheritance tax bill later. An inheritance financial adviser can help structure gifts to avoid unexpected IHT charges.

For expats and globally mobile families, inheritance planning is more complex. Wealth transfer across borders can trigger double taxation and conflicting inheritance rules. Cross-border inheritance planning aligns trusts, property, pensions and investments with the laws of each jurisdiction, ensuring wealth transfer is efficient and compliant. This protects heirs from unnecessary tax and gives families spread across different countries clarity and security.

Each type of inheritance trust has its own advantages. Discretionary trusts allow trustees to decide how assets are distributed, giving flexibility and IHT benefits. Bare trusts transfer assets directly to named beneficiaries and can be tax-efficient for children. Family trusts and other structures can help preserve wealth across generations and avoid inheritance tax where appropriate. Choosing the right trust depends on your goals, heirs and the best way to reduce inheritance tax for your situation.

Inheritance financial planning isn’t a one-time exercise. Tax rules, asset values and family circumstances all change over time. You should review your inheritance tax planning every few years, or sooner if you experience major life changes such as marriage, divorce, relocation, or a business sale. Regular reviews ensure your inheritance plan continues to minimise tax, protect family wealth and reflect your current wishes.

Protect Their Peace And Inheritance

Speak with an experienced inheritance planning adviser today and discover how a tailored plan can reduce tax, safeguard family wealth and ensure a smooth transfer to the next generation.

Forest Wealth