IHT Planning
Because what you’ve built should live on in the hands of those you love
Protect What Matters Most
You’ve worked hard to build your wealth — your home, your savings, your business, your investments. But without careful inheritance tax planning, a significant part of what you’ve built could be lost to tax instead of passed on to the people you love. Our role is to help you protect that legacy, so your family benefits fully from your life’s work.
Inher itance Tax doesn’t have to be a burden. With the right planning, there are clear, legal ways to reduce your liability and make sure your wealth is transferred exactly as you intend.
How We Help
Every family is different, which is why we take time to understand your personal circumstances, your wishes, and the assets that make up your estate. We then guide you through the rules and reliefs that can be used to protect your estate, including:
Key reliefs and strategies
Nil-rate bands: Making full use of tax-free thresholds and transferable allowances between spouses or civil partners.
Spousal exemption: Ensuring wealth passes efficiently and tax-free between partners.
Lifetime gifts: Using the 'seven-year rule' and annual exemptions to gradually reduce the value of your estate.
Business Relief: Protecting qualifying business assets from inheritance tax.
Agricultural Relief: Ensuring farmland and agricultural property qualify for valuable reliefs.
Trusts: Setting aside assets in a controlled way to provide for future generations while reducing exposure to tax.
Charitable giving: Passing on wealth to causes you care about, while also reducing the tax burden on your estate.
Our Approach
We know inheritance planning can feel like a difficult subject to raise. That’s why we focus on making the process clear, straightforward, and centred on what matters most to you — your family. We explain the technical rules in plain English, show you the options available, and help you put a plan in place that balances fairness, efficiency, and peace of mind.
Importantly, we don’t just create a plan and leave it there. We review your arrangements regularly so they stay effective as your wealth grows and as HMRC rules change.
Why Choose Citiline
Inheritance Tax Planning isn’t only about saving tax — it’s about protecting your loved ones, preserving your wealth, and ensuring your legacy lives on in the way you want it to. With Citiline, you get more than technical advice. You get personal guidance, delivered with care, and the confidence that your family’s future is secure.
📞 Want to safeguard your legacy? Call Citiline today and let’s create a personal plan that protects your family and gives you peace of mind.
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Tailored for you
Self-Assessment Tax Returns
Accurate, timely, and fully managed — reducing the risk of errors while keeping your affairs in order year after year.
Income Tax Planning
Structured around your sources of income — helping you retain more today and adapt as your financial position changes.
CGT Advisory
Whether selling shares, property, or personal assets, we guide timing and structure to reduce tax on gains and avoid missed reliefs.
Non-Domicile Tax Advice
For international individuals, we offer expert advice on residency, remittances, and structuring — keeping you efficient under UK rules.
Property Tax Advice
We advise on how to hold, manage, and sell property — helping you preserve value and avoid common tax pitfalls.
Pension Planning
We guide contributions and withdrawals around tax rules — supporting long-term growth and flexible access when you need it.
