Inheritance Tax Planning Devon
Your inheritance tax exposure, understood and reduced.
If your estate includes a business, property portfolio or accumulated assets, HMRC’s 40% charge above the nil-rate band is a real number worth planning around — and the reliefs available are often underused. Fixed fees, ACCA-qualified advice, and questions answered the day you ask them.
- Know your current IHT exposure before it becomes a problem
- Business Property Relief and Agricultural Relief applied correctly
- Gifting strategies and trusts explained without the legal fog
- Estate reviewed proactively as your circumstances change
No long-term contract. If the arrangement is not working after three months, you leave with clear documentation and nothing outstanding.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Fast Turnaround on a Tight Deadline
“Daniel was extremely responsive, clear, and professional throughout. He understood exactly what the lender required, turned everything around very quickly without cutting corners.”
★★★★★
Every Detail Explained Meticulously
“He is the most amazing person, very professional, explaining every detail meticulously in order to finalise our accounts. A huge thank you Daniel.”
★★★★★
Never Have to Worry About It
“Professional service. This company does my accounts every year and i never have to worry about it. Speedy as well. I am a very happy customer.”
★★★★★
Probate Accounts Handled Quickly and Efficiently
“Excellent service providing financial accounts for probate. Quick, efficient and friendly. Would highly recommend.”
Sound familiar?
Still not sure what your estate will cost the family?
Inheritance tax is one of those things that sits at the back of the mind for years — vaguely uncomfortable but never urgent enough to actually address. By the time most people look properly at their exposure, the nil-rate band has already been eaten into by property values, business assets and accumulated savings. The reliefs exist, but they need to be structured correctly, and well in advance.
- No clear picture of what your estate is actually worth to HMRC
- Business Property Relief available but never formally reviewed or claimed
- Gifting history undocumented and potentially pulling funds back into the estate
What a proper IHT review looks like
A straightforward review of your estate, your reliefs and your options — documented clearly, without a glossary required to read it. You will know your exposure, what reduces it, and what to do next.
- A clear IHT liability figure based on your actual assets and current allowances
- BPR and APR eligibility assessed and documented so reliefs are not lost on death
- Gifting and trust options reviewed with the seven-year clock properly explained
- All advice at a fixed, agreed fee — no hourly meter running on every conversation
What clients say about tax advice from Daniel
From sole traders saving on expenses to complex estate and probate work, clients consistently report the same thing: clear advice, fast responses, and fees that make sense.
Daniel was very helpful with my books and tax return. He offered great advise and insight in how to manage my books better and more efficiently. His knowledge in tax law and what can be used for expenses really helped with saving money where I could.
Communication was straightforward and reassuring, which made a potentially stressful part of the mortgage process much easier. Fees were transparent, turnaround was fast, and the work was done thoroughly and accurately.
What an IHT planning engagement covers
A structured review of your estate, reliefs and planning options — with everything documented and explained clearly, not handed over in a folder you will never open.
Estate Review and IHT Liability Assessment
Your assets are reviewed against current nil-rate bands, the residence nil-rate band and transferable allowances, so you know your actual exposure rather than a rough guess. Property, business interests, pensions and lifetime gifts are all factored in. The output is a clear figure, not a disclaimer-heavy estimate.
Starting point for every engagementBusiness and Agricultural Relief Planning
If you own a trading business or agricultural property, Business Property Relief and Agricultural Property Relief can substantially reduce or eliminate the IHT charge on those assets — but only if the qualifying conditions are met and documented. Daniel reviews your business structure, trading status and ownership to confirm eligibility and flag anything that needs tidying up before a claim would stand. Getting this wrong is expensive; getting it right costs far less than most people expect.
Specialist reliefs applied correctlyGifting Strategies and Ongoing Tax Planning
The annual exemptions, normal expenditure rules and potentially exempt transfers are all legitimate ways to reduce your estate over time — but timing, documentation and the seven-year taper need to be handled properly or HMRC will pull gifts back in. Daniel sets out a practical gifting plan and ensures your records are in order. As part of broader tax planning, this sits alongside income tax, Capital Gains Tax and any business restructuring to make sure the whole picture is coherent.
Proactive, not reactiveConsistently rated five stars across client types
From self-employed professionals handling their first tax return to business owners with more complex estates, the feedback is consistent: clear, responsive and worth every penny.
Self-Employed Tax Handled Without the Stress
“Huge thanks to Daniel for helping ourselves with our taxes! Being self employed means we all have to do this ourselves which is just not possible on top of our work load. Thanks again! We will be using you again!”
Financial Accounts for Probate Done Efficiently
“Excellent service providing financial accounts for probate. Quick, efficient and friendly. Would highly recommend.”
Spoke Through Everything, Made It Clear
“Daniel was very helpful and patient with me when I had no clue what to do and spoke through everything with me and made it clear, couldn’t recommend him enough, thank you again.”
What makes the difference on something this important
IHT planning is not a one-off form-filling exercise. It needs someone who understands your whole financial picture and revisits the plan as things change.
Twenty Years of Cross-Sector Experience
Daniel has worked across airlines, construction, manufacturing and entertainment — industries where asset ownership, business structures and succession planning all feature heavily. That breadth means he has seen most of the IHT scenarios that arise for business owners and property investors, and he already understands how they are structured before you explain yours. You get seasoned judgement, not a textbook answer.
The Whole Tax Picture, Not Just IHT
Inheritance tax planning does not sit in isolation. Gifts trigger Capital Gains Tax considerations. Business restructuring affects BPR eligibility. Pension drawdown decisions alter estate values. Daniel reviews your situation across income tax, CGT and IHT together, so a decision that saves in one area does not quietly cost in another. That joined-up view is considerably more useful than advice that only looks at one part of the problem.
Plain English, Not Legal Fog
IHT has enough complexity without your adviser adding another layer of jargon on top. Daniel explains nil-rate bands, taper relief, the residence nil-rate band and qualifying conditions in language that actually makes sense — and documents the advice clearly so you know what was agreed and why. If something changes in your circumstances or in the legislation, you will hear about it directly, not discover it at year-end.
From first call to clear plan in four steps
The process is straightforward. Most clients have a clear picture of their IHT position and a documented plan within two to three weeks of the first call.
Book a free discovery call
You talk through your situation — assets, business interests, property, existing gifts and any planning already in place. No preparation required beforehand. It is an honest conversation about whether there is meaningful planning to be done and whether Daniel is the right person to do it.
Receive your fixed-fee quote
You will receive a written quote covering the scope of the review and any ongoing planning work. Everything is agreed upfront, so there is no hourly rate running in the background and no invoice that surprises you at the end.
Estate review and planning report
Daniel reviews your assets, calculates your current IHT exposure, assesses relief eligibility and sets out your options in a clear written report. You will not need to translate it. If anything needs to be referred to a solicitor for will drafting or trust documentation, that is flagged explicitly.
Ongoing planning as things change
Your estate does not stay the same — businesses grow, properties are bought and sold, and legislation changes. With ongoing support, your plan stays current and any new planning opportunities are flagged before they become missed opportunities. You know where you stand, and you know it is being watched.
“Professional service. This company does my accounts every year and i never have to worry about it. Speedy as well. I am a very happy customer.”
Things people usually ask before getting started
Do you handle inheritance tax planning specifically, or is this just general tax advice?
IHT planning is a distinct area that covers estate valuation, nil-rate band utilisation, Business Property Relief, Agricultural Property Relief, gifting strategies and trust structures. Daniel works through each of these in the context of your actual assets and circumstances — not as a generic checklist. If your situation requires specialist legal input for will drafting or trust deed preparation, that is identified clearly and you are pointed in the right direction rather than left to work it out.
What does inheritance tax planning advice cost?
The fee depends on the complexity of your estate — whether it involves a trading business, agricultural land, a property portfolio, existing trusts or a straightforward personal estate. All fees are fixed and agreed in writing before work begins, so there is no hourly rate accumulating in the background. You will receive a clear quote after the free discovery call once the scope is understood.
I have never looked at this properly before — does it matter that there is no existing plan?
It is more common than you might think to arrive at this without any formal review having been done. The starting point is always a straightforward assessment of your current position — what you own, what reliefs apply, and what your exposure actually is. From there, a plan is built around your circumstances. Starting from scratch is not a problem; the only question is whether there is still time to make it useful.
Is there a long-term contract for ongoing IHT or tax planning support?
No. Ongoing support is arranged on a rolling monthly basis with no minimum term beyond the initial period. If your circumstances change or you decide the arrangement is not working, you can leave without penalty and with all your documentation in good order. The goal is that you stay because the service is useful, not because leaving is difficult.
Does Business Property Relief automatically apply if I own a trading business?
Not automatically. BPR requires the business to be a qualifying trading company — investment activities, furnished holiday lets and certain property businesses can fall outside the definition, and the rules changed in the October 2024 Budget with new caps on BPR for AIM shares and agricultural property from April 2026. The ownership period, business structure and nature of trading activity all need to be reviewed. Daniel assesses eligibility specifically rather than assuming it applies.
How far in advance do I need to start IHT planning to make a meaningful difference?
The honest answer is: the earlier, the more options you have. Potentially exempt transfers and gifts require seven years to fall fully outside the estate, and the normal expenditure out of income exemption requires a pattern of regular gifts over time. That said, reliefs such as BPR and the nil-rate band can be applied right up to death, so there is rarely nothing useful to be done regardless of when you start. A review now will show what is still available.
Stop leaving your estate to chance.
A free discovery call takes thirty minutes. You will leave knowing your approximate IHT exposure and what, if anything, is worth doing about it — at a fixed, agreed fee with no obligation beyond that.