Protect your legacy
“In this world, nothing is certain except death and taxes.”
— Benjamin Franklin
Estate planning sits at the intersection of both. It is one of the most personal and emotive areas of financial planning — every client brings their own values, wishes and family dynamic, and no two situations are ever the same.
Inheritance tax was once considered a voluntary tax — something that could be significantly reduced, or even eliminated, with the right planning. That is changing. The Office for National Statistics estimates inheritance tax receipts of £8.7 billion in the 2025/26 tax year, rising by a staggering 67% to £14.5 billion by 2030/31. Frozen thresholds, rising property values and an ever-widening tax net mean that inheritance tax is no longer a concern reserved for the very wealthy — it is increasingly affecting ordinary families across the country.
The financial cost of inaction can be significant. But so too can the emotional cost of leaving these decisions unaddressed.
At Tarian Financial Planning, we believe your wealth is yours. You've built it, managed it and protected it throughout your lifetime — and you should be the one who decides how it passes to the people and causes you care about most. Our role is to empower you with the right information, help you understand your current position and guide you through the options available to protect your legacy.
As the saying goes: always plan ahead — it wasn't raining when Noah built the ark. The sooner estate planning begins, the more options are available to you.
Our approach
01
Understand Your position.
We start by calculating your potential inheritance tax liability today and projecting what it could look like in the future, taking into account your assets, any existing arrangements and likely changes over time. Knowledge is the foundation of good planning.
02
Explore Your options.
We'll walk you through the full range of inheritance tax mitigation strategies available — from gifting and trusts to business relief and pension planning. We'll explain clearly how each option works, whether it's appropriate for your circumstances and the pros and cons of each approach.
03
Build Your strategy.
We'll recommend a personalised estate plan that addresses your goals, protects your estate and — crucially — ensures your own needs and lifestyle are never compromised in the process. Good estate planning isn't just about what you leave behind; it's about living well in the meantime.
Please note that the Financial Conduct Authority (FCA) does not regulate tax planning, estate planning, trusts or wills.