{"id":1444,"date":"2026-04-28T13:40:21","date_gmt":"2026-04-28T13:40:21","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/inheritance-tax-and-estate-planning"},"modified":"2026-06-09T21:29:34","modified_gmt":"2026-06-09T21:29:34","slug":"inheritance-tax-and-estate-planning","status":"publish","type":"rbcwm_solutions","link":"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/inheritance-tax-and-estate-planning","title":{"rendered":"Inheritance tax and estate planning"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-nn4zojnk9 hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-nn4zojnk9 .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-nn4zojnk9.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-nn4zojnk9.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-12 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>Inheritance tax and estate planning<\/span><\/h1><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\">Solutions<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"rbc-hero-subtitle\">Considered inheritance tax and estate planning can help you pass on your assets securely and efficiently to the people and causes you care about.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap undefined\"><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap\"><div class=\"col-lg\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/contact-us\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Contact us<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-image-bleed rbc-block-image-mobile-top has-primary-color has-text-color has-link-color wp-elements-3cc398e2b2422d6079ed4a213eaea91a\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-what-is-inheritance-tax\" class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-30d9fa146f72b5225f8f46713c768212\">What is inheritance tax?<\/h2>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-eda37aeed1171aa2c58e9dce8418d034\">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\u2019s lifetime.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-58236ce9ca2cf114fd1dc1ba9e04ce28\">If your estate is valued above the IHT threshold&nbsp; or \u2018nil-rate band\u2019 \u2013 currently \u00a3325,000 (\u00a3650,000 for married couples and civil partners) \u2013 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.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-85362ae8d00b73391622e686ae5d6b0a\">An additional residence nil-rate band of up to \u00a3175,000 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 \u00a31 million. However, it tapers away for estates exceeding \u00a32 million and disappears entirely above \u00a32.35 million.<\/p>\n\n\n\n<h3 id=\"h-how-to-manage-iht\" class=\"wp-block-heading\">How to manage IHT<\/h3>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-eb285c3559495a4b37e080b9efdae808\">Rising property prices and the\u00a0freezing of the IHT nil-rate band\u00a0could see more families having to pay IHT than has previously been the case.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-d305e47eb7e8ec5a1aa9845fbf5fe586\">There are lots of ways to manage IHT, but understanding what\u2019s right for you and your family isn\u2019t always straightforward. The complexities involved mean many families leave legacy planning until the last minute, when it\u2019s too late to make a meaningful difference.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-3eb1f70295f0c85f4d41f15cf5535f62\">By speaking to us early on, we can help you prepare for your estate\u2019s potential IHT liability and build an estate plan that works for you. We can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list has-theme-color has-text-color has-link-color wp-elements-8d6740b34a41a7a8efa45fe2c9d00a9e\">\n<li>Find out\u00a0how the IHT nil-rate band affects you<\/li>\n\n\n\n<li>Assess whether you qualify for the residence nil-rate band<\/li>\n\n\n\n<li>Explore the use of\u00a0tax-efficient gifts<\/li>\n\n\n\n<li>Make use of IHT reliefs where appropriate<\/li>\n\n\n\n<li>Consider\u00a0whole of life insurance\u00a0to cover an IHT bill<\/li>\n\n\n\n<li>Leave a tax-efficient legacy for the next generation<\/li>\n\n\n\n<li>Collaborate with your tax adviser to develop a holistic estate plan<a id=\"_msocom_2\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-c645e628e62f8fbab9d9726851472d16\"><\/p>\n\n\n\n<p>&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-2\"><div class=\"rbc-block-image-bleed-img-wrap \"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-right\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/03\/older-man-reading-a-red-book-with-a-young-girl-and-toddler.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush-bottom rbc-block-image-bleed rbc-block-image-mobile-top has-theme-color has-block-grey-background-color has-text-color has-background has-link-color wp-elements-75d91c41ec6893148cb0cc2c4806f944\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h3 id=\"h-estate-planning-and-gifting\" class=\"wp-block-heading\"><strong>Estate planning and gifting<\/strong><\/h3>\n\n\n\n<p class=\"has-link-color wp-elements-6c34f33756c37310c0a3127e73180488\">Estate planning is about so much more than looking for ways to reduce IHT.&nbsp;Gifting money to your children and grandchildren&nbsp;could make a huge difference to their quality of life and financial security. Plus, when you pass on money while you\u2019re still alive, as opposed to via your will, you\u2019ll get to see your loved ones benefit from your wealth.<\/p>\n\n\n\n<p><strong><strong><strong>Gifting<\/strong><\/strong><\/strong><\/p>\n\n\n\n<p>We\u2019ll create a lifetime gifting plan that suits your family\u2019s unique circumstances, helping you to:<\/p>\n\n\n\n<ul class=\"wp-block-list has-link-color wp-elements-de0d044df1fd7e6d25e3faa21b3f600b\">\n<li>Make the most of your gifting allowances<\/li>\n\n\n\n<li>Manage your gifting annual exemption<\/li>\n\n\n\n<li>Use\u00a0potentially exempt transfers and the seven-year rule<\/li>\n\n\n\n<li>Prepare the next generation for receiving wealth<a id=\"_msocom_1\"><\/a><\/li>\n<\/ul>\n\n\n\n<p><strong><strong>Cashflow modelling<\/strong><\/strong><\/p>\n\n\n\n<p class=\"has-link-color wp-elements-d352c40542b5fc4edb9eb61dfdbdc919\">Ensure any gift fits comfortably within your financial plans. By using&nbsp;cashflow modelling, we\u2019ll demonstrate how much you can afford to gift without harming your financial security.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-0 flex-lg-row-reverse\"><div class=\"rbc-block-image-bleed-img-wrap  d-flex flex-lg-row-reverse\"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-left\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/03\/multigenerational-family-taking-a-selfie-together-on-a-beach.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-image-bleed rbc-block-image-mobile-top has-primary-color has-block-grey-background-color has-text-color has-background has-link-color wp-elements-f52c2ce5b73bccd688723522e18e1a20\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h3 id=\"h-taking-control-with-trusts\" class=\"wp-block-heading\">Taking control with trusts<\/h3>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-f242c529f2b23455496bf3b500cab58f\">Trusts can help to reduce an IHT bill and give you control over how future generations use your assets. Trusts can help you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-afb034eadcbf65930a16de0891206df3\">Keep a lump sum outside your surviving spouse\u2019s estate so it is not subject to IHT<\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-a93581311e8015a50da55fd8f148d7cf\">Protect your children\/grandchildren\u2019s legacy if your surviving spouse remarries<\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-05484349bc48142208d03fabd2c21217\">Protect your children\/grandchildren\u2019s legacy from their own marital disputes<\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-9b365eab3849b70b50dc2702792a2b31\">Avoid giving children\/grandchildren a sum of money before you feel they are ready to manage it independently<\/li>\n<\/ul>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-af28439e3cfbf65b757e1ae51dc77213\">Trusts can be complicated. We can refer you to a legal professional or <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/trusts-and-foundations\">RBC trust professional<\/a> to assist you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 id=\"h-bereavement-support\" class=\"wp-block-heading\">Bereavement support<\/h3>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-0562cfc4193e1fbb9757511230d27341\">Grief can feel overwhelming, but you don\u2019t have to face it alone. We\u2019re here to help make the process as straightforward as possible. To ease the burden of paperwork and decisions, we\u2019ll continue to manage your investments exactly as planned until probate is granted or you tell us otherwise.<\/p>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-56b0cd45b952a4c29d2836b8297e460d\">For additional emotional support, our charity partner, <a href=\"https:\/\/www.cruse.org.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"link-external\">Cruse Bereavement Support<\/a>&nbsp;, is available to help anyone navigating the challenges of loss.<\/p>\n\n\n\n<div style=\"height:61px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<p class=\"is-style-default has-theme-color has-text-color has-link-color wp-elements-ebd4038ddae35468bc126981fd218f04\">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.<a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-2\"><div class=\"rbc-block-image-bleed-img-wrap \"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-right\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/03\/older-couple-smiling-while-looking-at-a-laptop-together-at-a-table.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<div class=\"wp-block-rbcwm-rbc-button aligncenter rbc-button-block row no-gutters align-items-end b-white blockId-4019e8e2-aaf0-4186-adbf-109f3a403356 blockId-64249d9b-82a2-4242-9119-f8a7347e02e6 blockId-3a2ef21c-7a06-4db3-b3f9-c7716c8e867b rbc-block-has-overlap overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Make plans that leave a legacy<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Speak with an adviser to explore how your estate can support those you care about.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/contact-us\" target=\"_self\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Contact us<\/span><\/a><\/div><div class=\"rbc-button-block-text-col d-flex col-lg-5\"><div class=\"rbc-button-block-text flex-grow-1\"><div><span><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/our-offices-and-people?type=people\" data-type=\"page\" data-id=\"458\" class=\"link-underline\">Find an adviser<\/a><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-common-questions-about-iht-and-estate-planning\" class=\"wp-block-heading rbc-block-header-title col-lg-12\">Common questions about IHT and estate planning<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-ab8e603f-3765-4749-a433-df7737bfa06b\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-expandable-container-block rbc-expandable-container\"><div class=\"rbc-card rbc-card-shadow\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body rbc-card-flush rbc-card-box\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"strongwhat-is-taper-relief-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"strongwhat-is-taper-relief-strong-content\" data-target=\"strongwhat-is-taper-relief-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-what-is-taper-relief\" class=\"wp-block-heading h5\"><strong>What is taper relief?<\/strong><\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"strongwhat-is-taper-relief-strong-content\" aria-labelledby=\"strongwhat-is-taper-relief-strong\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-14d86b57-d32b-4f3a-b268-84da7dd11294\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">If you gave away more than \u00a3325,000 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:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Years between gift and death<\/strong><\/td><td><strong>Rate of tax<\/strong><\/td><\/tr><tr><td>0 to 3 years<\/td><td>40%<\/td><\/tr><tr><td>3 to 4 years <\/td><td>32%<\/td><\/tr><tr><td>4 to 5 years<\/td><td>24%<\/td><\/tr><tr><td>5 to 6 years<\/td><td>16%<\/td><\/tr><tr><td>6 to 7 years<\/td><td>8%<\/td><\/tr><tr><td>7 or more years<\/td><td>0%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><br><em>Source: HMRC<\/em><\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"strongare-gifts-to-charities-exempt-from-iht-strong\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"strongare-gifts-to-charities-exempt-from-iht-strong-content\" data-target=\"strongare-gifts-to-charities-exempt-from-iht-strong-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-are-gifts-to-charities-exempt-from-iht\" class=\"wp-block-heading h5\"><strong>Are gifts to charities exempt from IHT?<\/strong><\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"strongare-gifts-to-charities-exempt-from-iht-strong-content\" aria-labelledby=\"strongare-gifts-to-charities-exempt-from-iht-strong\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-4e2f38a6-fe65-47ab-9c9d-e2b17fed20f1\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">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 \u2018net estate\u2019 to charity.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button aligncenter rbc-button-block row no-gutters align-items-end b-white blockId-4019e8e2-aaf0-4186-adbf-109f3a403356 blockId-64249d9b-82a2-4242-9119-f8a7347e02e6 blockId-3a2ef21c-7a06-4db3-b3f9-c7716c8e867b rbc-block-has-overlap overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Stay updated<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Receive expert commentary and insights from RBC Wealth Management to help you make informed decisions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/subscribe-to-our-newsletter\" target=\"_self\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Subscribe<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\t\t\t<section class=\"rbc-block rbc-block-featured b-primary\" data-location_id=\"Related solutions - Article two column card list\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div>\n\t\t\t\t\t\t<header class=\"row rbc-block-header\">\n\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"rbc-block-header-title col-lg-8\">Related solutions<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 rbc-block-header-cta-wrap text-lg-right text-left mb-half mb-lg-0\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\" class=\"link-chev rbc-block-header-cta wp-block-rbcwm-related-solutions-link\"><span>All solutions<\/span><div class=\"rbc-icon\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/header>\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Pensions and retirement planning<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/pensions-and-retirement\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Pensions and retirement planning<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Wealth planning and management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/wealth-planning\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Wealth planning and management<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Donor-advised funds<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A donor-advised fund offers a simple, flexible and effective way to manage your charitable donations, providing immediate benefits and long-term impact.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/solutions\/donor-advised-funds\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Donor-advised funds<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey overlap-top overlap-bottom rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-our-insights-and-ideas-nbsp\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Our insights and ideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-je\/wp-content\/uploads\/sites\/25\/2026\/04\/how-to-plan-for-a-100-year-life-3210x2140-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>How to plan for a 100-year life<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tWealth planning\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/how-plan-100-year-life\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t6 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; How to plan for a 100-year life<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Life reimagined: The biotech revolution and longevity<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/life-reimagined-the-biotech-revolution-and-longevity\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t15 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Life reimagined: The biotech revolution and longevity<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>How to include deferred compensation in your wealth strategy<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tWealth planning\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\/how-to-include-deferred-compensation-in-your-wealth-strategy\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t7 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; How to include deferred compensation in your wealth strategy<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"rbc-button-block row no-gutters align-items-end rbc-block-spacer-t justify-content-end\">\n\t\t\t\t\t\t\t\t<div class=\"col-lg-5 order-1\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-je\/insights\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"rbc-icon rbc-button-icon-right\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tBrowse more insights\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plan ahead with our inheritance tax and estate planning expertise. Protect what matters most.<\/p>\n","protected":false},"author":49,"featured_media":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-1444","rbcwm_solutions","type-rbcwm_solutions","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Inheritance tax and estate planning | RBC Wealth Management Jersey<\/title>\n<meta name=\"description\" content=\"Plan ahead with our inheritance tax and estate planning expertise. 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