Inheritance tax and estate planning

A meaningful legacy

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Introduction

Preserve the wealth you’ve worked for

Many of us spend our lives building: homes, businesses, savings. Often, what drives us is the idea that we’re creating something for our loved ones.

However, if you don’t plan carefully how to pass on your wealth, HMRC could end up with more of your legacy than is necessary.

At Richmonde Laine, we offer comprehensive estate planning that allows you to preserve more of your family wealth. So you can leave a legacy to be proud of.

Plan thoughtfully

Questions on estate planning

The tough questions are the important ones

Questions around estate planning can feel uncomfortable, difficult and emotional. But don’t worry – we can guide you through.

  • Should I consolidate my pensions?

  • Can I draw income from my investments?

  • Do I have enough?

  • What lifestyle can I sustain?

  • Are my savings working hard enough?

  • How to draw tax efficiently?

  • Should I start gifting?

  • How much risk should I take?

  • How do I pass on my wealth?

We help you find answers

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Our approach to wealth preservation

Security today and tomorrow

Your legacy is about your loved ones. But it has huge implications for your life today. So it should be built around you: not just your wills and trusts but your current priorities, lifestyle, business interests.

We give you control right now, so you can enjoy the wealth you’ve worked for. All while feeling confident that the future is under control too – that your family will afford the tax bill, that your wealth will be used as you see fit.

  • Your family and priorities

    Defining who to support and how you want your wealth to be used

  • Your estate

    Mapping what you own to show tax exposure and planning opportunities

  • Gifting and structure

    Deciding what to give, when best to give it, and how it should be held

  • Implementing wishes

    Setting clear instructions so that your wishes can be fulfilled

  • Practicality and liquidity

    Making sure loved ones can pay tax without having to sell assets

  • Regular reviews

    Make sure your plan stays on track, even as life and laws change

Our estate planning expertise

Building confidence for the future

People come to us feeling very anxious: about how to hold back enough to support themselves, how to avoid disrupting family dynamics. By planning things thoughtfully, we take the anxiety away – so they can focus on feeling proud, of their legacy and of the family who’ll receive it.

Paul Tadman

Head of Advice

Meet Paul

Integrated estate planning

A plan for every part of your life

Good estate planning influences your life, and your family’s too, both now and in future. So it will touch all parts of any financial plan.

Integrated plan

Integrated plan

Objective setting

Be clear about where you are today, and where a good plan could take you

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Tax planning

Keep more of your hard-earned income, investments and assets

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Protection

Safeguard your lifestyle and loved ones for when the world throws curveballs

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Retirement planning

Know what ‘enough’ looks like – and start planning for an exciting new chapter

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Estate planning

Make sure your wealth works not just for you, but for your loved ones too

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Testimonials

Relationships built on trust

Who we help

People, not portfolios

Whatever your stage of life, it’s never too early to start thinking about your legacy.

Our estate planning differentiation

  • Personal touch

    Your plan is bespoke, individually tailored to the questions you most need to answer.

  • Long-term mindset

    We think in decades, not quarters, guiding you from one economic season to the next.

  • True partnership

    By acting with integrity, we build lasting, trusted relationships with our clients.

  • People who care

    We care deeply – not just about the numbers, but how it feels to work with us.

  • Independent advice

    As an independent firm, we offer advice based purely on what’s best for you.

  • Technical excellence

    With industry-leading technologies and team, we set the highest standards.

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Frequently asked questions

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