Estate Planning | Just Financial Planning

Estate Planning and Inheritance Tax Planning

Inheritance Tax (IHT) is no longer an issue faced only by the very wealthy. Rising property values and changing legislation mean more families are being drawn into the IHT net, often without realising it. Without careful planning, your loved ones could end up receiving less of what you intended to leave behind.

Effective estate planning helps protect your family’s inheritance and gives you peace of mind that your wishes will be carried out. By taking a strategic approach, you can manage and reduce potential IHT liabilities, safeguard your assets, and make sure more of your wealth passes to those who matter most, not to HMRC.

What can we help with?

With tax rules constantly evolving, expert guidance is essential. We work closely with you to create a tailored, forward-looking plan that protects your estate, supports your family, and secures your legacy for the future.

We help ensure more of your estate reaches the people you care about, in the way you want it to.

Helping individuals and families answer these common questions:

How can I ensure my loved ones inherit as much of my estate as possible?
How do changes in pension rules affect my estate’s exposure to Inheritance Tax?
What’s the best way to gift during my lifetime, without compromising my own financial security?
How do trusts help control how and when my beneficiaries receive their inheritance?

Helping business owners navigate the following:

Am I eligible for Business Relief, and how could it help protect my business or investments from IHT?
With changes to business/farm reliefs, how can I best protect my enterprise and plan for its future?

Pensions and investment planning:

Pensions and certain qualifying investments and assets can play an important role in managing Inheritance Tax. We assess how these fit into your wider estate plan, ensuring funds are preserved and distributed in line with your wishes.

Trusts and wills:

Trusts and wills are key tools for protecting your family’s inheritance and ensuring your wishes are carried out. We work with legal partners to help you structure and manage them effectively, giving you control over how and when assets are passed on, while reducing potential Inheritance Tax liabilities.

Gifting and lifetime planning:

Gifting during your lifetime can reduce the future value of your estate and make a real difference to your family now. We help you make the most of available exemptions and allowances, deciding what to give, when and how.

Business and property succession:

For business owners and those with property or agricultural assets, tailored succession planning is vital. We help you navigate reliefs such as Business Relief and structure your estate to pass smoothly and tax-efficiently to the next generation.

Insurance and estate protection:

Even with careful planning, some tax may still be due. We can arrange life insurance held in trust to cover potential liabilities, helping protect your estate and giving your family peace of mind.

Testimonials

This is what our clients think of us...

We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.

Chris

Retirement Advice

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market that match your wealth goals. There are thousands to choose from, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.

More about our fees

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK in 2025. You have the peace of mind that your finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

How it works

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Ready to protect what you’ve worked so hard to build?

Book your complimentary consultation

Proactive planning

Without proactive planning, a significant proportion of your estate could be lost to tax, diminishing the legacy you leave behind.

Smart estate planning is not about complexity or loopholes. It’s about using what’s already available effectively, confidently and in a way that reflects your values.

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Just Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Just Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 477571. Registered in England & Wales, Company Number 6453011.

Registered Office address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA.

Trading address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA. Telephone: 01603 266333

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

Independent Chartered Financial Planners

Estate Planning and Inheritance Tax Planning

Estate Planning and Inheritance Tax Planning

What can we help with?

Helping individuals and families answer these common questions:

Helping business owners navigate the following:

Pensions and investment planning:

Trusts and wills:

Gifting and lifetime planning:

Business and property succession:

Insurance and estate protection:

This is what our clients think of us...

Why choose us?

The right products for you:

Competitive fees:

Our expertise:

How it works

Step 1

Step 2

Step 3

Ready to protect what you’ve worked so hard to build?

Proactive planning