Inheritance Tax Planning – Protect Your Family’s Wealth
Reduce unnecessary tax, preserve your legacy and ensure your loved ones receive what you’ve worked hard to build. Get expert Inheritance Tax (IHT) advice from UK specialists and track your family's future wealth through the Plouta App.
✔ Specialised IHT Strategies
✔ No obligation conversation
✔ UK-focused regulated guidance
Without Planning, 40% of Your Estate Could Go to Tax. Talk to our strategic tax adviser today
Is Your Life’s Work at Risk of a 40% Tax Bill
You have spent decades building your estate, but without a plan, nearly half of everything above your threshold could go to the taxman.
Frozen Thresholds: The Nil Rate Band hasn’t changed in years, dragging more families into the IHT net.
Complex New Rules: From the 2026 Business Relief changes to the 2027 pension tax updates, the goalposts are moving.
Loss of Control: Without a strategy, your loved ones could face a massive tax bill before they can even access their inheritance.
Who Needs Inheritance Tax Planning?
IHT planning isn't just about paying less tax; it’s about ensuring your wishes are followed.
Own a home worth £400k+
Have savings, pensions or investments
Own a business
Expect to inherit wealth
Want to leave money to children or grandchildren
Regulated, independent advice you can trust
Expert Navigators: Our IHT advisers specialise in the latest 2026/27 tax reforms, including the new £2.5M Business and Agricultural Relief thresholds.
Holistic Strategies: We look at gifting, trusts, Wills and life insurance together to create a bulletproof plan.
Digital Legacy Hub: Use the Plouta App to share your plans with your executors and track how much tax your strategy is saving in real-time. Your data is handled securely and confidentially.
No obligation: Speak to an adviser only if it’s right for you.
Ways to Reduce or Eliminate Inheritance Tax
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Lifetime Gifting
Understand the "7-Year Rule" and how to use annual exemptions to reduce your estate value today without losing your lifestyle.
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Trust Planning
Use Discretionary or Absolute Trusts to protect assets for future generations while maintaining control as a trustee.
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Business & Agricultural Relief
Navigate the new 2026 caps. We help business owners and farmers protect their livelihoods from IHT.
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Pension Structuring
With pensions entering the IHT scope in 2027, we help you restructure your retirement withdrawals to remain tax-efficient.
How it works?
At Plouta, we combine the emotional intelligence of a dedicated human adviser with the convenience of modern technology.
Real Advice: Work 1-on-1 with a qualified IHT adviser to build a holistic plan covering pensions, investments and tax efficiency.
Total Control: Safely store Wills, Trust deeds, and Life Insurance policies so your family has everything they need, when they need it.
Always Connected: Message your tax adviser securely and book reviews directly through your Plouta portal. No more chasing emails or lost paperwork.
Annual Reviews: Receive alerts when tax laws change (like the 2026/27 reforms) so we can update your plan instantly.
Meet Our Partner Advisers
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Sanjay Kukar
Inheritance Tax (IHT) Adviser
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![Joshua Shepherd - FCA Regulated Independent Financial Adviser in the UK]()
Joshua Shepherd
Independent Financial Adviser
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Seyon Kesavan
Protection & Insurance Adviser
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James McMullan
Will & Estate Planning Solicitor
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Frequently Asked IHT Questions
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The standard Nil Rate Band is £325,000, plus a potential £175,000 Residence Nil Rate Band if you leave your home to direct descendants. Combined, a couple can often pass on £1M tax-free.
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From April 2026, 100% relief is capped at £2.5M per person for combined business and agricultural assets. Anything above this gets 50% relief (effective 20% tax rate).
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From April 2027, most unspent pension pots will be included in your estate for IHT purposes. This makes early planning essential.
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Most gifts fall out of your estate for tax purposes if you survive for seven years after making the gift (Potentially Exempt Transfers).
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Yes, our partnered advisers are fully authorised and regulated by the Financial Conduct Authority (FCA). Your protection is our priority.
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The Plouta App is a powerful tool on its own, but its true power is unlocked when paired with our advisory service, giving you professional oversight of your data.
Start Protecting Your Family’s Future Today
No obligation. Clear guidance from IHT advisers.
Disclaimer: Plouta provides IHT planning through authorised advisers. Inheritance Tax planning and Will writing are not regulated by the Financial Conduct Authority. Tax treatment depends on individual circumstances and is subject to change.
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