Telmar Estate Planning

Inheritance Tax Planning

Plan ahead. Reduce your tax bill. Protect more of what you've worked for.

We provide expert inheritance tax planning and advice to help you legally reduce your tax liability and pass more of your wealth to the people and causes you care about.

Sun breaking through trees at dawn — a metaphor for clarity and planning ahead
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Reduce Your Tax Liability

Strategic planning to reduce or eliminate inheritance tax legally.

Protect Your Loved Ones

Ensure more of your estate goes where you want, not the taxman.

Tailored Strategies

Personalised advice based on your circumstances, goals and the latest rules.

Plan with Confidence

Clear guidance and ongoing support so you can plan with peace of mind.

Our Inheritance Tax Planning Services

Comprehensive Solutions to Preserve Your Wealth

From gifting and trusts to business relief, our services cover every angle of inheritance tax planning so you can keep more of your estate.

Inheritance Tax Specialists

Specialist, independent advice from advisers who live and breathe IHT.

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Avoiding & Reducing Inheritance Tax

Legal strategies to lawfully reduce or eliminate the IHT due on your estate.

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Gifting & Exemptions

Make the most of annual exemptions, gifts and the seven-year rule.

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Life Insurance Policies Written in Trust

Ensure life cover pays outside your estate and reaches your family quickly.

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Using Trusts

Protect assets and reduce inheritance tax using the right trust structures.

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Property & Family Planning

Plan for the family home and other property to protect your legacy.

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Business & Agricultural Relief

Maximise available reliefs to protect business and farming assets.

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Plan Today, Protect Tomorrow

More of Your Wealth.
More for Your Family.

Inheritance tax can significantly reduce what you leave behind. With the right planning in place, you can legally reduce your liability and ensure your wealth is passed on in line with your wishes.

We'll help you create a tailored plan that protects your assets, supports your loved ones and gives you lasting peace of mind.

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Free Interactive Assessment

Do You Have an Inheritance Tax Problem?

Answer a few short questions about your estate and receive an instant estimate of your inheritance tax exposure, your risk score and the planning opportunities available to you.

Telmar Estate Planning

Do You Have an Inheritance Tax Problem?

Free Interactive Assessment

Find out what your family could owe HMRC

Answer 19 short questions about your estate and receive an estimate of your inheritance tax exposure, an overall risk score, the planning opportunities open to you and clear next steps — all based on the current UK rules.

3–4 minutes

Approximate completion time

19 questions

One question per screen

Instant estimate

Personalised and downloadable

No obligation. Your details are only used to generate and send your report.

Expert Guidance

How UK Inheritance Tax Works

Allowances and the 40% rate

Inheritance tax is charged by HMRC at 40% on the value of an estate above the available allowances. Each person has a £325,000 nil-rate band and, when the family home passes to direct descendants, a £175,000 residence nil-rate band. Unused allowances transfer between spouses and civil partners, so a married couple can potentially pass on up to £1 million free of inheritance tax. These allowances have been frozen until at least 2030, so as house prices and investments rise, more estates are drawn into the tax each year without any change to the headline rules.

Rules that catch families out

The residence nil-rate band tapers away by £1 for every £2 an estate exceeds £2 million. Gifts made within seven years of death can still be taxed, and from April 2027 most unused pension funds are expected to fall within the estate for inheritance tax. Rising property values and frozen thresholds mean far more ordinary Hampshire families now face a potential inheritance tax bill. Many families only discover a liability when an executor values the estate. By then, most planning options have gone, which is why an early inheritance tax review is one of the most valuable steps you can take.

Our approach to reducing IHT

Telmar Estate Planning, based in Lee-on-the-Solent, provides independent inheritance tax planning across Fareham, Gosport, Portsmouth and the South Coast. We calculate your current exposure, then recommend lawful strategies such as structured gifting, trusts, life insurance written in trust, charitable legacies and business and agricultural relief, reviewing the plan as legislation and your circumstances change. Every recommendation is explained in plain English with a clear estimate of the potential saving, so you can make informed decisions and understand exactly how your plan protects the people you love.

How We Work

A Clear Process. Expert Guidance.

1

Understand

We take the time to understand your circumstances, assets and goals.

2

Analyse

We assess your estate and identify opportunities to reduce inheritance tax.

3

Plan

We create a tailored strategy using the most effective reliefs, trusts and exemptions.

4

Implement & Review

We put your plan in place and review it regularly to keep it effective.

Trusted. Experienced. Here for You.

Our team of specialists has decades of experience in inheritance tax planning and is committed to delivering clear advice and exceptional service.

Specialist Expertise

Personal Approach

Clear, Practical Advice

Ongoing Support

Frequently Asked Questions

Inheritance Tax, Explained

Inheritance tax is a tax on the estate (property, money, possessions) of someone who has died. The standard IHT rate is 40% on amounts above the nil-rate band.

Areas We Serve

Estate planning and inheritance tax planning across South Hampshire

Telmar Estate Planning welcomes enquiries from individuals and families in these towns and their surrounding communities.

Ready to Protect More of Your Wealth?

Book a consultation today and take the first step towards reducing your inheritance tax.

Book a Consultation