You sell the family house, move somewhere smaller near the sea, and put the difference in the bank. Sensible. But a question follows you home: does the estate lose the extra Inheritance Tax allowance that was attached to that house? The short answer is no — not...
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TLDR: Four Thousand Weeks by Oliver Burkeman
Four Thousand Weeks by Oliver Burkeman argues that a human life is roughly four thousand weeks long, and that productivity systems fail because they promise mastery over a finitude you cannot master. The efficiency trap: getting faster attracts more work, it does not...
TLDR: Downsizing and the £175,000 residence allowance
Downsizing does not have to lose you the £175,000 residence nil-rate band. If you sold, gifted or moved to a less valuable home on or after 8 July 2015, the estate can claim a downsizing addition to replace the allowance lost on the move. The former home must have...
Gifting the family home and staying put: why HMRC ignores the gift
It is one of the most common things we hear across the desk in Worthing. "We gave the house to the children years ago — so it is out of our estate now, isn't it?" Almost always, the answer is no. The house is still yours for Inheritance Tax, the seven-year clock...
TLDR: Companies House identity verification for directors
Identity verification at Companies House has been a legal requirement since 18 November 2025. Here is the short version for company directors. Every existing director must verify and give their Companies House personal code when the company files its next confirmation...
Four Thousand Weeks: the book that reframes succession planning
There is a number in Oliver Burkeman's Four Thousand Weeks that lands harder than any tax figure I deal with in a working week. If you live to eighty, you get about four thousand weeks. That is the whole allocation. Not four thousand weeks of good health, or of...
Mirror Wills or Discretionary Trust: Which Fits?
A couple may have the same intentions: provide for each other first, then leave the estate to the children. Yet the question of mirror wills or discretionary trust can produce very different results if one partner dies, the survivor remarries, care costs arise, or...
Best Trust Options UK for Protecting Your Estate
A trust is not simply an inheritance tax tool or a document to add to a will because it sounds prudent. For people considering the best trust options UK estate planning has to offer, the right answer depends on what they own, who they want to protect and when...
How to Ringfence Rental Property Inheritance
A rental property can be a dependable source of income during your lifetime, yet become a source of uncertainty when it passes to the next generation. Knowing how to ringfence rental property inheritance means looking beyond a simple will. The aim is to protect the...
Free Estate Planning Guide
Learning how to protect your assets can feel like an overwhelming topic. Our FREE Estate Planning Guide will help you to understand the process and how to get started.