About You
Some basics about your circumstances and what you currently have in place.
Your Assets
Approximate figures are fine.
Combine values if you own more than one property.
Enter the value of any defined contribution pensions (SIPPs, personal pensions, workplace money-purchase schemes). Do not include final salary or defined benefit pensions. Those promise an income rather than a pot, and are not part of your estate for IHT in the same way. Defined contribution pots are currently outside your estate for IHT, changing from April 2027.
Inheritance Tax: Key Factors
The headline allowances: £325,000 nil-rate band, £175,000 residence nil-rate band, aren’t automatic. These questions help us work out what’s actually available to you.
Lifetime Gifts
Gifts in the last 7 years are set against your nil-rate band first.
Includes gifts of money, property, or assets to individuals or trusts, excluding regular gifts from income, wedding gifts within limits, or the £3,000 annual exemption.
e.g. giving your house to children but still living in it rent-free.
Worth reviewing, even helping a child with a house deposit counts if it exceeds annual exemptions. Unrecorded gifts can create unexpected tax.
Your Late Spouse’s Allowances
Unused allowances may be transferable to you.
If they left everything to you, their NRB was likely unused and transferable.
Depends on whether they owned qualifying property and how the estate was distributed.
Residence Nil-Rate Band
Worth up to £175,000, but only if specific conditions are met.
The RNRB only applies if the property passes directly to ‘lineal descendants’: children, stepchildren, grandchildren, or their spouses.
Some older Wills include nil-rate band trusts that can inadvertently block the RNRB.
This helps us assess whether the RNRB could be available with the right planning in place.
Your answers are processed in your browser only. Nothing stored or sent unless you choose to email your results.
Your Results
Estate Health Check
Here’s your estate planning position based on what you’ve told us.
Estate Value
£0
Excluding pensions
Estimated IHT
—
Allowance Breakdown
⚠ Some allowances are uncertain. Your actual IHT position could be significantly different once these are confirmed. See the findings below for details.
This is a general indication, not legal or tax advice. Figures use 2024–25 thresholds. Your actual position depends on many individual factors.
What We’ve Found
Each observation highlights something relevant to your situation. Where a guide is available, it will help you understand your options before deciding on next steps.
What Would You Like to Do Next?
Now that you’ve seen your position, which best describes where you are?
Execution-only service. We draft your documents to your instructions, no advisory layer.
Foundation Essentials — couple
2 Wills + 4 LPAs (the H&W LPA pair is included free) · client self-selects Will form from three options · no IHT advice
£1,400 + VAT
Foundation Essentials — single
1 Will + 2 LPAs (the H&W LPA is included free) · client self-selects Will form · no IHT advice
£700 + VAT
Trust Essentials
Execution-only lifetime trust (Discretionary or Life Interest, client-selected) · drafting + execution + HMRC TRS registration + trustee onboarding pack + one funding event · no IHT advice
£1,950 + VAT
Individual unit prices: Will £350 + VAT · LPA £350 + VAT each. The Foundation Essentials bundle prices are below the sum of the components.
Advisory service. We assess your position, recommend the right structure, and draft it for you.
The first step is a welcome call. This is a conversation, not a sales pitch, where we’ll talk through your health check results, understand your priorities, and explain how the advisory process works. There’s no obligation to proceed.
A full inheritance tax analysis based on your actual figures
Scenario modelling showing your position now and with planning
A personalised recommendation with clear reasoning
Drafted documents tailored to your circumstances
Strong Foundations — couple
Welcome call, Will-form recommendation, IHT assessment, written report, and drafting and execution of Mirror Wills and 4 LPAs · six-month check-in included
£2,500 + VAT
Strong Foundations — single
Welcome call, Will-form recommendation, IHT assessment, written report, and drafting and execution of the Will and 2 LPAs · six-month check-in included
£1,800 + VAT
Family Structures
Specialist IHT mitigation: full exposure analysis, structural options review (trusts, Family Investment Companies, APR/BPR, pension strategy, lifetime gifting), written prioritised recommendations, and coordination implementation across pension nominations, life assurance designations, and any surplus-income gifting scheme. Six-month check-in included.
£3,500 + VAT
Family Investment Companies
Specialist company-based implementation: Companies House formation coordination, bespoke Articles, shareholder agreement, funding documentation, governance pack, HMRC corporation tax registration, and a single handover meeting with your accountant.
from £4,995 + VAT
Documents are priced identically to the self-serve channel. The advisory fee is the price of professional judgment. The analysis, the scenario work, and the recommendation that fits your circumstances. We think it’s important you can see what you’re paying for.
A 20-minute conversation to discuss your results and explain the advisory process. No obligation to proceed.
Recommended reading
While you’re thinking it over: guides relevant to your situation, in plain language.
Save Your Results
There’s no deadline. If you’d like a copy of this report emailed to you:
✓ Your report is on its way. No follow-up calls.
Provided by Arvéla (operated by Cascade Legal Ltd) for general information only. Not legal advice.
Regulated legal services are delivered through Arvéla’s chosen legal service provider. See Your Legal Services for current provider details and SRA registration.