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Supporting You At Every Stage

Inheritance Tax can be complex and, for many people, the rules and allowances can feel difficult to get your head around.

The information below provides a general overview, but every situation is different. I am happy to explain this fully in detail and talk through your personal circumstances — just give me a call.

Inheritance Tax is a 40% tax on what is remaining of a person’s estate after the available exemptions and thresholds are applied when they pass away. Your estate includes everything you own — property, money, investments, savings and personal possessions.

Although you may think you are over the threshold at this moment in time, as you grow older your savings, pensions and investments may decrease by the time of death. This is not something to stress over if your estate is under £325,000 or £500,00 if the main property you own is passed to biological children, grandchildren or great-grandchildren.

Dealing with probate can feel overwhelming at an already difficult time. That’s why I work in partnership with Assured Probate Services, a trusted specialist firm based in Worksop and covering the whole of England.

Assured Probate Services can help with:

Full estate administration
Grant of Probate applications
Inheritance Tax calculations and submissions
Ongoing support for executors

If needed, I can introduce you to Assured Probate Services to ensure everything connects smoothly and efficiently during what can be a very challenging period.

For clients considering property-based borrowing in later life, I work closely with Chris Wade, a Later Life Lending Specialist with over 13 years’ experience. Chris is CeMAP and CeRER qualified and provides advice on:

Lifetime Mortgages
Retirement Interest-Only Mortgages
Equity Release solutions

Based in Rotherham, South Yorkshire, Chris supports clients across the UK via both face-to-face and video appointments.

Having previously worked for one of the UK’s largest lifetime mortgage brokers, he brings extensive experience in navigating complex and high-value cases.

Chris’s goal is simple: to help clients make informed, confident decisions that support their lifestyle and long-term financial wellbeing. I can introduce you to Chris to explore whether later life lending could form part of your wider financial plan.

chris@hfassociates.uk
07591 356245

A Clear Plan Starts with a Conversation...

Every client’s situation is different. That’s why the first step is always understanding what matters most to you.

From there, we’ll decide which package delivers the right level of planning, protection and long-term support.

If you’re ready to move forward — or simply want to explore your options — I’m here to help.

Arrange your initial consultation today.

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