The estate has grown
Property, investments or a business now create exposure that an old will and assumptions no longer address.
Estate & family wealth
Turn a collection of assets into a coordinated family and tax plan.
We map the estate, quantify exposure and model lifetime and death scenarios, then coordinate the tax work with wills, trusts, financial planning and family governance delivered by the right professionals.
- FCCA & CTA expertise
- Experience at BDO & KPMG
- Responses in hours, not days
- Fees agreed upfront
Expert perspective
Inheritance tax is one risk within a wider succession decision.
A plan that reduces inheritance tax but leaves the donor without income, creates family conflict or puts assets under unsuitable control is not successful. We begin with who should benefit, when, and what financial security and decision-making authority the current owner must retain.
The estate schedule includes property, investments, company interests, trusts, lifetime gifts, debt and relevant protection. We then model current exposure and future scenarios, including asset growth, a business sale, death of either spouse and possible changes to relief qualification.
UA Tax provides tax advice and compliance. Solicitors create or amend wills, trusts and legal instruments; authorised financial advisers address investments, pensions and insurance. We coordinate those inputs so recommendations do not contradict one another.
When this matters
Recognise when the position needs more than a form
Early review creates time to find evidence, correct assumptions and make choices before a deadline fixes the result.
Lifetime gifts are being considered
The donor needs to understand CGT, inheritance-tax timing, control, income and evidence before transferring assets.
A family business is central
Relief may be expected, but qualification, liquidity and changes after a sale need stress-testing.
An estate or trust already exists
Returns, registrations, distributions and beneficiary tax information need controlled administration.
The technical review
Tax support across planning, trusts and estate administration
Use the specialist service that fits the current event while keeping the wider family plan visible.
Inheritance Tax Planning
Quantify the estate, test reliefs, model gifts and cash needs and build a prioritised action plan.
Explore this service →Trust & Estate Tax Returns
Registration, annual income and gains reporting, inheritance-tax events and beneficiary statements for trustees and estates.
Explore this service →Probate Tax Support
Inheritance-tax schedules, estate valuations, probate figures, post-death income and gains and corrective reporting.
Explore this service →Family Wealth Planning
Coordinate family companies, growth shares, gifts, trusts and governance around long-term ownership and control.
Explore this service →Business Succession
Plan how leadership, value and shareholder rights move when a family or management team takes over.
Explore this service →Capital Gains Tax
Understand the immediate disposal and valuation consequences of gifts, trusts and asset transfers.
Explore this service →What changes the answer
The estate plan should work in more than one future.
We test death, lifetime transfer, sale, incapacity and changing asset values rather than relying on a single snapshot.
- 01What assets, debts, gifts and trust interests form the current estate, and which values are uncertain?
- 02What income, capital access and control must be retained for the current owners’ lifetime security?
- 03Which reliefs are being assumed and what business or ownership changes could weaken them?
- 04Where would tax and administration costs be funded without forcing an unsuitable asset sale?
How UA Tax works
Technical work, explained in a usable sequence
You will understand what the evidence shows, what is uncertain and what happens next.
Build the estate map
We record assets, ownership, debts, gifts, trusts, wills, family needs and areas requiring valuation.
Quantify scenarios
Current exposure, future growth, relief sensitivity and liquidity are modelled for relevant lifetime and death events.
Prioritise choices
We separate immediate housekeeping from gifts, structures or protection that require deeper legal or regulated advice.
Coordinate implementation
Tax claims, valuations and records are aligned with solicitors, financial advisers and the family’s governance timetable.
Questions worth asking
Frequently asked questions
Is estate planning only for people already above the inheritance-tax threshold?
No. Ownership, wills, records, liquidity and family governance matter before a tax charge arises, particularly where a business or rapidly growing asset is involved.
Can UA Tax write my will?
No. A suitably qualified solicitor should draft or update the will. We provide tax analysis and work with the solicitor so the legal provisions and tax assumptions are coordinated.
Do married couples always have twice the allowances?
Not automatically in every form. Some unused allowances can transfer subject to conditions, and residence, domicile history, gifts and asset destination may affect the result. The estate should be calculated from the facts.
Are pensions outside inheritance tax?
Pension death benefits have their own rules and announced reforms can affect future treatment. Scheme terms, nominations and regulated pension advice should be reviewed as part of the wider plan.
Do trusts always save inheritance tax?
No. A transfer into trust can create immediate, periodic and exit tax charges, as well as CGT, administration and loss of personal control. A trust needs a genuine non-tax purpose and legal advice.
How often should an estate plan be reviewed?
After major life, asset or law changes, and periodically even without them. A business sale, property move, death, marriage, divorce or significant gift should trigger a fresh review.
Continue exploring
Related advice
Get a clear view before the deadline drives the decision.
Arrange an initial call to outline the issue, or book a focused tax consultation when you need advice on a defined question.