Inheritance Tax mitigation

Tim’s story

Tim was an existing client of ours; we had managed his portfolio of investments for many years. Unfortunately, Tim’s wife passed away. We knew his estate had a potential Inheritance Tax bill, so we got to work mitigating it as best we could.

What we did

We converted Tim’s existing portfolio into assets that would achieve business relief. Once held for two years, this portfolio would be outside his estate for Inheritance Tax. We were also able to use Tim’s ISA allowance per tax year, which enables Tim to be tax-efficient on his own personal basis.


Tim now feels much more secure in the future of his estate; he is happy that his beneficiaries won’t face a large bill upon his death. Should his beneficiaries like to invest the portfolio upon Tim’s death, they know we will be able to help them invest the money tax-efficiently.