Save Thousands — Even Hundreds of Thousands — in Inheritance Tax
Many families lose far more to inheritance tax than they need to. Our In Retirement, Investment, Inheritance Tax, Later Life and Care Planning Strategy Review Service is designed to help you legally and efficiently reduce IHT, protect family wealth, and secure financial futures.
Clients routinely save £thousands, £hundreds of thousands, and in some cases £millions through effective planning. These outcomes are based on real client cases and can be evidenced to regulators upon request (with client permission).
Our IHT Modelling Tool — Built from First Principles
We originally trialled third‑party software and quickly discovered it was not fit for purpose. So we did what we always do: we built our own.
No AI. No shortcuts. Just decades of professional expertise, advanced tax knowledge, and meticulous modelling.
Professional Qualifications
Our directors, Ashley and Joanne Roberts‑Clark, hold:
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Chartered Insurer and Chartered Financial Planner status under the Royal Charter granted by King George V (1912).
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Fellowship of the Personal Finance Society.
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Advanced CII examinations in:
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English Law
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Property & Pecuniary Insurance Law
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Life Insurance Law
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Pensions Law
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Taxation & Trusts Law
Experience
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73 years combined financial services experience
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Specialisms across tax, trusts, pensions, estate planning, and later‑life strategy
Hard Work & Precision
Our model was built through:
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3 months of intensive spreadsheet modelling
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Detailed review of tax legislation, HMRC practice notes, case law
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Iterative testing and refinement
The result is a bespoke, professional‑grade IHT engine that evaluates every relevant variable.
What Our IHT Model Covers
Our modelling incorporates all major IHT planning components, including:
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Income, expenditure & surplus income gifting
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Capital gifts
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PETs (7‑year rule)
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CLTs (14‑year rule)
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Unused pension funds (post‑April 2027 rules)
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Business & agricultural property relief
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Discounted gift trusts
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Loan trusts
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Property life interest trusts
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Life insurance
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Discretionary, absolute & pilot trusts
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Deeds of variation & assignment
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Nil rate bands & residence nil rate bands
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VCT & EIS considerations
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Lump Sum Allowance (LSA)
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Lump Sum Death Benefit Allowance (LSDBA)
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Survivor annuities
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Defined benefit pension death benefits
…and many more advanced planning options.
Real Client Outcomes (Summarised)
We cannot disclose personal data, but the following anonymised examples reflect genuine client outcomes over 10‑year planning horizons:
These figures represent actual tax mitigations identified through our modelling in the thousands, tens and hundreds of thousands, and millions.
Fees & Value
Core Fee
Our fee for the IHT Strategy Review starts at £3,000. This covers full modelling and recommendations. If you wish us to conduct a detailed review of specific pensions or investments, an additional fee may apply.
Cost vs Reward
Even modest improvements can produce substantial tax savings:
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Protecting £20,000 may save £8,000 in IHT
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Protecting £100,000 may save £40,000
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Protecting £500,000 may save £200,000
Against these figures, a £3,000 fee is often a high‑value investment in your family’s future financial security.
Get An Instant Fixed Fee Quote for IHT Planning Here:
Later Life & Inheritance Tax Review
Our Fee‑Refund Guarantee
We operate on a simple principle: If we cannot improve your position by more than our fee, we refund it.
No downside. No wasted money. No risk to you.
In practice, almost every client sees improvements far exceeding the fee.
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