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Considered inheritance tax and estate planning can help you pass on your assets securely and efficiently to the people and causes you care about.
Inheritance tax (IHT) is a tax on the transfer of wealth. Most commonly, IHT is paid by the estate of someone who has died, but it can also be payable within someone’s lifetime.
If your estate is valued above the IHT threshold or ‘nil-rate band’ – currently £325,000 (£650,000 for married couples and civil partners) – when you die, the excess will be liable for IHT. The standard inheritance tax rate is 40%, which on a sizeable estate could translate into a significant sum.
An additional residence nil-rate band of up to £175,000 per person is available when you pass your main residence to direct descendants (such as children or grandchildren). This allowance is transferable between spouses, giving married couples and civil partners a combined potential threshold of £1 million. However, it tapers away for estates exceeding £2 million and disappears entirely above £2.35 million.
Rising property prices and the freezing of the IHT nil-rate band could see more families having to pay IHT than has previously been the case.
There are lots of ways to manage IHT, but understanding what’s right for you and your family isn’t always straightforward. The complexities involved mean many families leave legacy planning until the last minute, when it’s too late to make a meaningful difference.
By speaking to us early on, we can help you prepare for your estate’s potential IHT liability and build an estate plan that works for you. We can help you:
Estate planning is about so much more than looking for ways to reduce IHT. Gifting money to your children and grandchildren could make a huge difference to their quality of life and financial security. Plus, when you pass on money while you’re still alive, as opposed to via your will, you’ll get to see your loved ones benefit from your wealth.
Gifting
We’ll create a lifetime gifting plan that suits your family’s unique circumstances, helping you to:
Cashflow modelling
Ensure any gift fits comfortably within your financial plans. By using cashflow modelling, we’ll demonstrate how much you can afford to gift without harming your financial security.
Trusts can help to reduce an IHT bill and give you control over how future generations use your assets. Trusts can help you:
Trusts can be complicated. We can refer you to a legal professional or RBC trust professional to assist you.
Grief can feel overwhelming, but you don’t have to face it alone. We’re here to help make the process as straightforward as possible. To ease the burden of paperwork and decisions, we’ll continue to manage your investments exactly as planned until probate is granted or you tell us otherwise.
For additional emotional support, our charity partner, Cruse Bereavement Support , is available to help anyone navigating the challenges of loss.
This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided for illustrative purposes only and is not a recommendation to pursue a particular strategy.
Speak with an adviser to explore how your estate can support those you care about.
If you gave away more than £325,000 in the seven years before you died, those gifts would eliminate your IHT nil-rate band, and anyone who received a gift above this threshold would have to pay IHT. These gifts are taxed on a sliding scale, known as taper relief:
Source: HMRC
Gifts to qualifying charities are exempt from IHT, regardless of the size of the gift. Leaving a gift to a charity in your will could reduce the IHT rate on your estate from 40% to 36%. However, it only applies if you leave at least 10% of your ‘net estate’ to charity.
Receive expert commentary and insights from RBC Wealth Management to help you make informed decisions.
Enjoy the retirement you envision with a strategy built around your priorities, what you need to save, and the tools to help you get there.
A personalised financial plan supports your ability to manage your wealth and focus on what matters most, with guidance tailored to your goals and family priorities.
A donor-advised fund offers a simple, flexible and effective way to manage your charitable donations, providing immediate benefits and long-term impact.