inheritance and Estate planning

INHERITANCE TAX AND ESTATE PLANNING

Planning your estate is about more than deciding who inherits your assets — it’s about making sure your wealth passes to your chosen beneficiaries at the right time and in the most tax-efficient way. With inheritance tax currently at 40%, even a modest estate can face a significant tax bill without careful planning.

At Arcturus, we help you organise your property, will, and financial affairs so that your estate reflects your wishes and minimises unnecessary tax. We begin by building a clear picture of your current circumstances, which may include:

Lasting Power of Attorney
A complete list of assets and liabilities
Deeds of any trusts you’ve created
Life insurance policies
Pension death benefit nomination forms
Records of previous gifts

Your estate plan will also include your personal objectives — who you want to benefit, when you want assets to be transferred, and any special arrangements you’d like in place.

Once your wishes and current position are clear, we help you put the plan into action. This may involve:

Investing in assets exempt from Inheritance Tax
Creating a trust for loved ones
Establishing a structured gifting strategy
Organising your wealth in a more tax-efficient way

Our goal is to ensure your legacy is protected, your wishes are respected, and your beneficiaries receive as much of your estate as possible.

If you’d like to explore your inheritance tax and estate planning options, we’d be happy to arrange a confidential, no-obligation discussion.

Speak to us today to find out how you could benefit from efficient estate and IHT planning.