Your retirement comes first

There is only one thing you can do to reduce your inheritance tax bill that actually benefits you while you are still alive.

Spend your money enjoying the best retirement you possibly can.

Everything else, the gifts, the trusts, the structures, comes with a cost to you personally. That is the honest truth about inheritance tax planning that most people are never told upfront.

In order to give advantages to the next generation, you have to be prepared to accept some disadvantage yourself.

Which is why the first question we ask is never about tax.

It is about you. Your income. Your security. Your retirement.

Only once we are certain that those are genuinely taken care of can we start looking at what is possible for the people who come after you.

The best inheritance tax plan starts with making sure you can live as well as possible for as long as possible.

Everything else follows from there.