{"id":23320,"date":"2025-07-31T14:48:02","date_gmt":"2025-07-31T14:48:02","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-financially-support-your-family\/"},"modified":"2026-06-26T19:18:02","modified_gmt":"2026-06-26T19:18:02","slug":"how-to-financially-support-your-family","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-financially-support-your-family","title":{"rendered":"How to financially support your family"},"content":{"rendered":"\n

If you\u2019re retired or coming up to retirement, you might be thinking about passing on some of your wealth to support younger family members, particularly during these difficult economic times.<\/p>\n\n\n\n

Perhaps you\u2019ve already made or updated your will to ensure you leave a legacy to your children or grandchildren. Once you\u2019ve made your will as tax efficient as possible, you could consider other forms of estate planning<\/a> during your lifetime to lay solid foundations for your family\u2019s future.<\/p>\n\n\n\n

After all, most of us would like to leave a legacy, and this makes financial planning essential. Here, we look at ways to manage wealth between generations, while also managing your inheritance tax<\/a> (IHT) liability.<\/p>\n\n\n\n

Consider your future needs<\/h3>\n\n\n\n

Before giving any money away, it\u2019s important to consider whether you might need this in the future. A\u00a0cashflow forecasting<\/a>\u00a0exercise with a wealth manager can help to clarify what your income and expenditure \u2013 and your financial position \u2013 might be in the future.<\/p>\n\n\n\n

Remember that your spending patterns could change throughout your retirement<\/a>. In the early years, you could have more time on your hands for hobbies, whereas in older age, the costs of social and nursing care could become an issue.<\/p>\n\n\n\n

Gifting for today and tomorrow<\/h3>\n\n\n\n

Lifetime gifts<\/a> to family can be an effective way to pass on wealth to your loved ones, rather than waiting to pass on assets through your will. For example, money gifted to a younger relative could be put towards a property deposit, or higher education costs, thereby giving them a significant financial boost at a time when their finances are already stretched.<\/p>\n\n\n\n

There are several different gifting allowances to take advantage of. They can be complicated, so it\u2019s crucial to get advice on how to use them correctly. For example, current rules allow you to give away \u00a33,000 per year free from IHT. You can also give up to \u00a3250 to any number of people each year. Parents can give \u00a35,000 to each of their children as a wedding gift, while grandparents can give \u00a32,500, and anyone else \u00a31,000. Alternatively, if a gift is regular, comes out of your surplus income and doesn\u2019t affect your normal standard of living, any amount of money can be given away free from IHT.<\/p>\n\n\n\n

Larger gifts may be covered by the potentially exempt transfer<\/a> (PET) rules. If you survive for a further seven years after making the gift and no longer derive any benefit from it, then the gift is outside of your estate for IHT purposes. If you pass away within seven years and the gifts are valued at more than the IHT nil-rate band (currently \u00a3325,000), taper relief may apply. The tax due reduces on a sliding scale if the gift was made between three and seven years before death.<\/p>\n\n\n\n

Taking control with trusts<\/h3>\n\n\n\n

You might want to maintain some control over the gift, or require some future access to the assets, in which case you could consider using a trust.<\/p>\n\n\n\n

There are different types of trusts, and they vary in terms of flexibility, access, control and tax efficiency. They can help you have some control over access while a child or grandchild is young, decide who benefits from the trust fund and in what proportion, and protect your legacy from potential marital disputes among beneficiaries.<\/p>\n\n\n\n

If you want to make gifts but don\u2019t want to lose all future access, discounted gift trusts could provide an effective solution. These are designed for people who want to gift money, draw a regular income for the rest of their life, and then pass what\u2019s remaining of the gift to their heirs potentially free of IHT after their death.<\/p>\n\n\n\n

Trusts are an extremely complex planning area, so specialist advice is essential.<\/p>\n\n\n\n

Leaving a charitable legacy<\/h3>\n\n\n\n

Gifts to charities and political parties are also tax-free. Leaving a financial legacy to your chosen charity could be beneficial in several ways while also keeping the amount you have to leave to family intact (with careful financial planning). The legacy itself is exempt from IHT and if it exceeds 10% of the \u2018net value\u2019 of your estate (the chargeable estate less standard nil-rate bands), a reduced IHT rate of 36% applies. The legacy could also result in the reinstatement of some of your residence nil-rate band.<\/p>\n\n\n\n

In other words, the majority of a substantial charitable donation could be funded from a reduction in IHT rather than a reduction in the amount inherited by family.<\/p>\n\n\n\n

Passing on your retirement pot<\/h3>\n\n\n\n

If you have built up substantial retirement savings, bear in mind that pensions are often one of the most tax-efficient ways to pass on your wealth. You can potentially pass on your pension to your loved ones as their own retirement pot.<\/p>\n\n\n\n

If you have a pension that enables you to do as you wish with your retirement savings \u2013 such as a self-invested personal pension (SIPP), or drawdown pension \u2013 and you die before reaching age 75, it can currently usually be passed on free of tax, although tax-free lump sums may be subject to a cap known as the lump sum and death benefit allowance (LSDBA). Benefits remaining in these types of money purchase pensions can be paid tax free as a lump sum, annuity<\/a> or drawdown income<\/a> to any beneficiary. After the age of 75, death benefits can still be paid as a lump sum, annuity or drawdown pension, but benefits will be taxed at your beneficiaries\u2019 marginal income tax rates.<\/p>\n\n\n\n

It\u2019s important to consider your options for passing on wealth carefully as it was announced in the 2024 Autumn Budget that pensions will be included in a person\u2019s estate for IHT purposes from April 2027. Although these proposed changes aren’t law yet, they could affect your retirement and succession planning so you may wish to consult with a wealth manager and\/or a tax adviser to explore your options.<\/p>\n\n\n\n

How we can help<\/h3>\n\n\n\n

Whatever your individual circumstances and estate planning objectives, getting some\u00a0advice<\/a> from a wealth manager and\/or a tax adviser\u00a0can help you develop\u202fa strategy that is right for you. This could encompass the use of pensions, gifts, trusts, life assurance or even IHT-efficient investments to maximise the potential of your assets for future generations. Ultimately, succession planning is about enabling families to consider their current and future needs, as well as effectively passing on wealth. <\/p>\n\n\n\n

Find out more from our dedicated support team by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n

The value of investments, and any income from them, can fall and you may get back less than you invested. 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 only as an example and is not a recommendation to pursue a particular strategy.\u00a0<\/strong><\/strong><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Wondering how to\u202fsupport\u202fyour family in difficult times? From tax and trusts to pensions, here are some things to consider.<\/p>\n","protected":false},"author":97,"featured_media":12006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[248],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[],"rbcwm_segment":[772],"rbcwm_solution":[758],"rbcwm_topic":[120,757],"rbcwm_channel":[99],"rbcwm_format":[779],"class_list":["post-23320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-finances","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-inheritance-and-estate-planning","rbcwm_topic-wealth-planning","rbcwm_channel-private-clients","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Wondering how to\u202fsupport\u202fyour family in difficult times? 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