Specialist estate-planning and inheritance tax accountants
Inheritance tax planning, trusts, wills and estate structuring, probate and business succession for families, business owners and executors across the UK. Tell us about your estate and we come back within 48 hours with a fixed written quote, no obligation.
- Inheritance tax planning and mitigation
- Trusts and lifetime gifting
- Probate and estate administration
- Business and Agricultural Relief succession
Get a fixed quote
We come back within 48 hours with a fixed written quote, no obligation.
Estate & Inheritance Tax Work
We handle inheritance tax and estate work day to day: IHT mitigation, trusts, estate structuring, probate support and business succession for clients across the UK.
Regulated & Insured
We are an ACCA-regulated practice carrying professional indemnity insurance, so your estate work sits with a qualified, accountable adviser.
Whole-Estate View
We work across the full picture: the nil-rate bands and the residence nil-rate band, the seven-year gifting rules, trusts, Business and Agricultural Relief, and probate.
Fixed Written Quote
Tell us about your estate and we come back within 48 hours with a fixed written quote, agreed before any work starts. No obligation to proceed.
Estate planning is a specialism, not a sideline
Inheritance tax is rising up more and more estates as the nil-rate bands stay frozen and house prices climb. The £325,000 nil-rate band has not moved in over a decade, the £175,000 residence band tapers away above a £2m estate, and from April 2026 Business and Agricultural Relief are capped, with unused pensions due to be brought into inheritance tax from April 2027. Families who assumed they were under the threshold increasingly are not.
Getting it wrong is expensive and usually invisible until it is too late. The seven-year gifting rules, gifts out of surplus income, trusts, the residence band and the reliefs all interact, and a general accountant who rarely sees them tends either to miss legitimate savings or to play so safe that the estate overpays. The cost lands on the next generation, often as a forced sale to pay a tax bill that planning could have softened.
We handle inheritance tax and estate planning as core work: modelling your estate, using the allowances and reliefs properly, setting up trusts where they genuinely help, and supporting executors through probate. Tell us about your situation and we come back within 48 hours with a fixed written quote, with no obligation to proceed.
Different estates need different planning
From growing families to business owners and executors, each situation calls for specific inheritance tax and estate expertise.
Families & parents
Couples and parents who want to pass on the family home and savings to children and grandchildren, using both nil-rate bands and the residence band, and protecting inheritances for the next generation.
High-net-worth individuals
Larger estates above the £2m threshold, where the residence band tapers away and a layered plan of gifting, trusts and reliefs makes a material difference to the eventual inheritance tax bill.
Business & farm owners
Owners relying on Business or Agricultural Relief, now capped from April 2026, who need to plan succession so the next generation inherits the business or farm without a forced sale to pay tax.
Landlords & property owners
Property portfolios that drive an estate over the threshold and create liquidity problems on death, where ownership structure, gifting and the interaction with capital gains tax all need handling together.
Retirees & later-life planning
Those arranging their affairs in later life: drawing pensions in the right order, making regular gifts from surplus income, and getting the estate in order while there is time for the seven-year rule to work.
Executors & the bereaved
Executors facing the inheritance tax account, valuations and probate, who need the IHT calculated correctly and the estate administered properly, with the tax paid on time.
Estate-planning services across the UK
We cover the full picture, from cutting a future inheritance tax bill to administering an estate after a death.
Inheritance Tax Planning
Reduce the inheritance tax your estate will pay, legitimately, using the nil-rate bands, exemptions, gifting and reliefs. Matched accountants model your estate and build a plan you can actually follow.
Trusts & Trust Administration
Whether a trust belongs in your plan, which type, and how to run one compliantly: setting up, the ten-year and exit charges, trustee duties, and the tax returns trusts now require.
Wills & Estate Structuring
The tax and structuring side of getting your estate in order: how your will interacts with IHT, who should own what, beneficiary and pension nominations, and keeping the plan current as the rules change.
Probate & Estate Administration
Support for executors: valuing the estate, completing the HMRC inheritance tax account, paying the tax, applying for probate and distributing the estate correctly, with the IHT calculations done properly.
Lifetime Gifting & IHT Mitigation
Giving while you live, done properly: the annual and small-gift exemptions, the seven-year rule and taper relief, regular gifts out of surplus income, and keeping the records HMRC will want.
Business Relief & Succession
Passing on a business or farm tax-efficiently: Business Relief and Agricultural Relief, the April 2026 changes capping 100% relief, and structuring succession so the next generation inherits without a forced sale.
How we work with you on your estate planning
A considered, no-pressure process, from your first enquiry to a fixed written quote and the work itself.
Tell us about your estate
Share your situation in confidence: roughly what your estate is worth, what it includes (home, business, investments, pensions), and what you want to achieve. Two minutes, no obligation.
We send a fixed written quote within 48 hours
We review what you have told us and come back within 48 hours with a fixed written quote for the inheritance tax, trust, gifting, business succession or probate work you need, agreed before anything starts.
We do the work
Once you accept the quote, we model the numbers, put the plan in place and coordinate with your solicitor on the will and any deeds. The price we quote is the price you pay.
Completely free. No strings. No obligation.
Estate-planning across the UK
Inheritance tax is a UK-wide concern, but the details shift by nation and circumstance. The nil-rate bands and the main IHT rules apply across England, Wales, Scotland and Northern Ireland, while Scotland has its own rules of succession and its own approach to wills and estates that we account for in any Scottish plan.
Wherever you are, the core planning is the same: using both nil-rate bands and the residence band, the seven-year gifting rules, gifts out of surplus income, trusts where they help, and Business and Agricultural Relief, all kept current as the rules change between 2026 and 2027. Professional advice tailored to your estate makes a real, measurable difference to what your family eventually keeps.
We work with clients across the whole of the UK, offering both remote service and, where useful, local meetings, so you can reach genuine estate-planning expertise wherever you live.
London & South East: London, Reading, Brighton, Guildford, Oxford, St Albans, Sevenoaks
High property values push many estates well over the threshold, with the residence band frequently tapering away; layered gifting and trust planning is common.
Midlands: Birmingham, Coventry, Leicester, Nottingham, Derby, Wolverhampton
A mix of family estates and owner-managed businesses relying on Business Relief, where the April 2026 cap makes succession planning newly urgent.
North West: Manchester, Liverpool, Preston, Bolton, Chester, Salford
Growing property values and family businesses, with strong demand for straightforward, cost-effective planning and probate support.
North East & Yorkshire: Leeds, Sheffield, Bradford, Hull, Newcastle, York
Family estates, farms and small businesses where Agricultural and Business Relief and clean succession planning matter most.
South West & Wales: Bristol, Cardiff, Bath, Exeter, Swansea, Cheltenham
Significant farmland and family-business wealth alongside rising residential values, with strong need for relief and succession advice.
Scotland & Northern Ireland: Glasgow, Edinburgh, Aberdeen, Dundee, Belfast
UK-wide inheritance tax rules combined with distinct Scottish succession law, so we tailor Scottish plans to that difference.
Estate-planning coverage across the UK
We advise on inheritance tax and estate planning for clients throughout the UK, wherever you and your estate are based.
Clear, fair fees for estate-planning advice
We quote transparently, usually a fixed fee for a planning review or estate administration, agreed before any work starts.
Inheritance Tax Planning Review
£750 – £2,500
Estate valuation, exposure calculation, allowances and reliefs review, written plan with recommended steps · One-off review
Fees depend on the size and complexity of the estate and how many assets need valuing. A straightforward review of a single home and savings sits at the lower end; estates with trusts, business interests or property abroad sit higher. Most specialists quote a fixed fee for the review before any work starts.
Trust Setup & Administration
£1,000 – £3,500
Trust type advice, setup, HMRC Trust Registration Service, ten-year and exit charge calculations, annual trust tax returns · Setup, then annual
Setting up a trust is usually a fixed fee; running it adds an annual cost for accounts, the Trust Registration Service and any tax returns. Relevant property trusts with periodic and exit charges cost more to administer than simpler arrangements. A specialist will tell you the likely ongoing cost before you commit.
Wills & Estate Structuring (tax review)
£500 – £1,500
Review of the tax consequences of your will, ownership and beneficiary structuring, pension nomination review, coordination with your solicitor · One-off review
This is the accountancy and tax side of getting your estate in order; the will itself is drafted by a solicitor. Fees reflect the complexity of the estate and whether trusts or business assets are involved. Many specialists offer a fixed-fee review that runs alongside your solicitor's will drafting.
Probate & Estate Administration
£1,500 – £6,000
Estate valuation, HMRC inheritance tax account, tax calculation and payment, probate application support, estate accounts · Per estate
Estate administration is usually priced per estate, either as a fixed fee or, for larger estates, a percentage of the estate value. A simple estate with one property is at the lower end; estates with multiple properties, business interests, lifetime gifts to trace or disputes cost more. Get the basis of charge confirmed in writing before instructing.
Lifetime Gifting Strategy
£500 – £1,500
Gifting capacity review, use of annual and surplus-income exemptions, seven-year planning, record-keeping system for executors · One-off, with optional reviews
A gifting plan is normally a fixed fee, with optional periodic reviews as your circumstances and the rules change. The work pays for itself by using exemptions, particularly gifts out of surplus income, that families routinely miss. Costs rise where gifts interact with trusts or capital gains tax.
Business Relief & Succession Planning
£1,500 – £5,000
Business and Agricultural Relief review against the April 2026 cap, succession structuring, lifetime transfer planning, life cover and instalment planning to fund any tax · Planning project
Succession planning for a business or farm is priced as a project, scaled to the size of the business and the complexity of ownership. The April 2026 cap on 100% relief has made this work materially more valuable. Specialists usually scope and fix the fee after an initial conversation about the business and the family.
Advice that pays for itself
A well-structured plan typically saves many times its cost in inheritance tax, and we will tell you early if planning is not worthwhile for your estate.
Why work with us on your estate planning
Getting something this important right should not be guesswork.
Estate work is our core
We do inheritance tax and estate planning day to day: gifting and trust planning, Business and Agricultural Relief, and probate. Not a service we meet once a year.
Regulated & insured
We are an ACCA-regulated practice carrying professional indemnity insurance, so your estate work sits with a qualified, accountable adviser.
Nationwide coverage
We work with clients across every UK region, remotely or in person, and account for distinct Scottish succession law where it applies.
Fixed quote, no pressure
Every engagement starts with a fixed written quote within 48 hours, agreed before any work begins. No charge for the initial enquiry and no obligation to proceed.
Estate-planning guides, written by specialists
Good estate planning means working with specialists who handle inheritance tax day to day, not generalists who meet it once a year. We cover inheritance tax planning, trusts, lifetime gifting, and business succession. The guides below go deeper on each.
Inheritance Tax in the UK: The Complete Guide
13 min readLifetime Gifting and the Seven-Year Rule
12 min readTrusts in Estate Planning: A Complete Guide
12 min readBusiness Relief, Agricultural Relief and Succession Planning
12 min readWills and Estate Structuring Explained
12 min readProbate and Estate Administration: An Executor’s Guide
12 min readThe accountant behind this service
Fellow of the Association of Chartered Certified Accountants (ACCA), owner of Tidy Money Ltd.
Accountancy services on this site are provided by Tidy Money Ltd, an ACCA-regulated cloud practice. Every engagement starts with a fixed written quote, agreed before any work begins, and you can verify the practice independently before you get in touch.
Common questions about estate planning and inheritance tax
Get your estate in order
Whether you are planning ahead to reduce inheritance tax, setting up a trust, passing on a business, or administering an estate, the first step is the same short form.
2 min · Free · No obligation