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Tax Planning for Inheritance

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Estate Planning and Succession

Tax Planning and Inheritance Structures

Inheritance and estate taxes can significantly reduce the wealth passed to beneficiaries. The UK levies inheritance tax at 40% on estates above the nil rate band. The USA imposes federal estate tax at up to 40% on estates above the exemption threshold. Many African and Asian jurisdictions also impose estate duty or succession taxes. Neptune Fiduciaries Group advises on legal structures that minimise these charges through proper pre-death planning.

Offshore Trusts and IHT Exclusion

An excluded property trust settled by a non-UK domiciled individual can hold UK and non-UK assets outside of the UK inheritance tax net, provided the settlor has been non-UK domiciled for the required period at the time of settlement.

Domicile and Residence Planning

For UK IHT and US estate tax purposes, domicile and residence status are critical determinants of tax liability. We advise on the planning implications of changing domicile or residence, and on the use of treaties to eliminate double taxation of the same estate in two jurisdictions.

Lifetime Gifting Strategies

Lifetime gifts can be highly effective in reducing the taxable estate. We advise on potentially exempt transfers, the seven year rule, annual gifting exemptions, and the use of trusts to hold gifted assets for the benefit of family members.

Business Property Relief

UK business property relief (BPR) provides up to 100% relief from inheritance tax on qualifying business assets and unlisted shares in trading companies. We advise on structuring business interests to maximise BPR availability.

Get in Touch

Contact Neptune Fiduciaries Group via info@neptunecorporate.com or sales@neptunecorporate.com, or visit our Contact Us page.

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Our fiduciary team has helped clients across Africa, Europe, and Asia structure their estates for maximum protection, tax efficiency, and generational continuity.

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