Estate & Inheritance Tax Planning

Strategic Planning

At Home Group Financial, we help you take control of your estate with strategic planning designed to preserve your wealth and minimise Inheritance Tax liabilities. Whether you’re looking to support family, safeguard your business, or give back to charity, our comprehensive Estate and Inheritance Tax Planning services are tailored to your personal goals and financial circumstances.

Wills & Testamentary Planning

A valid, professionally drafted Will is the cornerstone of any estate plan. We guide you through the process of structuring your Will to ensure your wishes are carried out efficiently and tax-effectively. From naming executors to protecting vulnerable beneficiaries, we ensure your legacy is passed on in the way you intend.

Trusts & Gifting Strategies

Trusts can be powerful tools for asset protection and tax efficiency. We help establish and manage trusts to support your family, reduce Inheritance Tax, and plan long-term wealth distribution. Our team also advises on tax-smart gifting strategies, including utilising your annual and lifetime allowances to reduce the taxable value of your estate.

Lasting Power of Attorneys (LPAs)

An LPA allows you to appoint trusted individuals to make decisions on your behalf should you lose mental or physical capacity. We assist with setting up both Property & Financial Affairs and Health & Welfare LPAs, ensuring your affairs are managed by people you trust, in accordance with your values.

Business Succession Planning

If you own a business, planning for its future is vital. We work with business owners to create succession strategies that protect the company, support continuity, and maximise available reliefs such as Business Property Relief (BPR) to reduce Inheritance Tax exposure.

Whole of Life Cover

A Whole of Life insurance policy pays out on death whenever it occurs and can be used to help cover an expected Inheritance Tax bill. We advise on the most appropriate policies, including placing them in trust to ensure proceeds fall outside of your taxable estate.

Inter-Vivos Policy

An Inter-Vivos policy is a decreasing term assurance designed to cover any Inheritance Tax arising from gifts made during your lifetime. These policies provide financial protection if you die within seven years of making a gift, helping beneficiaries manage any tax liabilities without needing to sell assets.

Charitable giving

Philanthropy can be a rewarding part of estate planning and may also reduce your Inheritance Tax liability. We provide guidance on tax-effective charitable donations, including leaving gifts in your Will, to help you support causes close to your heart while benefiting from potential tax reliefs.

Take control of your estate

Estate and Inheritance Tax Planning isn’t just for the wealthy—it’s for anyone who wants to pass on their assets in a secure, thoughtful, and tax-efficient manner. Contact us today to arrange a personalised consultation and start planning your legacy with confidence.