Complimentary Estate Review

What happens to your
wealth, in the end.

An indicative review of your inheritance tax position and the principal paths available to address it. Substantive, specific to your situation, and yours to keep — whether you become a client or not.

What you'll receive

A structured report of approximately twelve pages, delivered in your browser within minutes, covering:

— Your indicative IHT position under current rules
— What changes from April 2027 (when pensions enter IHT scope)
— Full breakdown of allowances, reliefs, and the calculation
— Six mitigation paths assessed for relevance to your circumstances
— Specific conversation topics for your next professional meetings
— A clear scope statement of what we do and don't advise on

I

Tell us about you

Light onboarding — name, age, marital status, family. Two minutes.

II

Your estate

Approximate values of your home, pensions, investments, and business or agricultural assets.

III

Lifetime gifts

Significant gifts you've made in the last seven years.

IV

Existing arrangements

Your will, any trusts, inherited allowances from a deceased spouse.

V

Your intentions

Who you want to benefit, what you're concerned about.

VI

Receive your review

A structured report appears in your browser. Yours to keep.

Step One of Five

A little about you

We hold this information confidentially. We use it only to prepare your review.

First name *

Family name *

Email *

Phone (optional)

Country of residence *

This tool models UK-domiciled estates with UK-situated assets. International situations require specialist advice.

Your current age *

UK domicile *

Domicile is a tax concept distinct from residence. If unsure, select "I'm not sure".

Marital status *

Married or in civil partnershipSpouse/partner alive and you intend to leave assets to them on death. WidowedYour spouse or civil partner has died. We'll ask whether their allowances were used. Single, divorced, or separatedNo current spouse/partner allowances apply.

Children, grandchildren, or other direct descendants? *

YesIncluding stepchildren you intend to inherit. NoWill affect the residence nil-rate band, which requires direct descendants.

Confirmations *

I am 18 years of age or older The figures I'll submit relate to my own assets and circumstances I am approaching BriceAmery Wealth on my own initiative

Step Two of Five

Your estate

Approximate current values are fine. We use round numbers for an indicative picture.

A note on pensions and the April 2027 change

From 6 April 2027, most unused pension funds will be brought into the estate for IHT purposes. This is a fundamental change. We model both positions — current rules (pensions outside) and post-2027 rules (pensions inside) — so you can see what the change means for your specific position.

Property

Your main residence and any other property you own.

Main residence value

Current market value of your home.

Mortgage on main residence

Outstanding mortgage debt (reduces the value).

Other property (net)

Buy-to-let, holiday homes, etc. Net of any mortgages.

Pensions

All defined contribution pension values. The April 2027 change applies primarily to DC pots.

SIPP / Personal Pensions

Workplace DC pensions

Workplace defined contribution pension pots.

Investments and savings

Held outside pensions.

Stocks & Shares ISAs

ISAs are within the estate for IHT.

General Investment Account

Cash and savings

Other (bonds, alternatives, valuables)

Specialist assets

Some asset classes attract specific IHT reliefs. Approximate values are fine.

Business assets (potentially BPR-qualifying)

Shares in unlisted trading companies, certain AIM-listed shares, sole trader/partnership interests. We assume 100% BPR for indicative purposes.

Agricultural property (potentially APR-qualifying)

Working farmland or buildings with agricultural use. APR rules tightened from April 2026.

Life insurance (own name)

Life insurance policies in your own name — these form part of the estate.

Life insurance (in trust)

Life insurance written into trust — sits outside the estate.

Use sample data for testingPopulates a realistic example — a 64-year-old widow with a £2.4M estate, considering IHT planning seriously for the first time.

Step Three of Five

Lifetime gifts in the last seven years

Significant gifts you've made to individuals (not spouse or charity) in the last seven years matter for IHT. We'll model the taper relief on these.

What counts as a gift here

Outright gifts to individuals — cash, property transferred, shares transferred — within the last seven years. Each person has an annual exemption of £3,000, gifts from regular income are exempt, and £250 small gifts are exempt. Don't worry about exact amounts under £5,000 in any year; we're looking for the significant ones.

Significant gifts

Add each major gift. Skip if there are none.

To whom	Amount (£)	Years ago	Type

Gifts from regular income? (optional)

Step Four of Five

Existing planning

What's already in place. This affects the calculation and the conversation.

Step Five of Five

Your intentions

A little context about what you want from this picture. This helps us tailor the report to your specific concerns.

Reviewing your estate position…

This typically takes 30 to 60 seconds

Outside Our Scope

This needs a specialist.

Based on what you've described, your situation likely involves non-UK domicile, cross-border assets, or another specialist area outside what this tool can model meaningfully.

We'd recommend speaking with a specialist tax adviser familiar with your specific circumstances. Once that's clearer, we'd be happy to discuss how the investment management piece fits in.