Lifetime Gifting

Plan ahead. Pass on wealth with purpose.

Our lifetime gifting strategies help you pass on wealth in a structured and tax-efficient way while retaining control and supporting your long-term financial position.

Rather than waiting until later, gifting during your lifetime allows you to take a proactive approach to managing inheritance tax exposure and supporting the next generation when it matters most.

We ensure every decision is aligned with your overall financial and estate planning strategy, and fully compliant with HM Revenue & Customs requirements.

What are lifetime gifting strategies?

Lifetime gifting involves transferring assets such as cash, property, or investments, during your lifetime rather than through your estate.

When structured correctly, gifting can:

  • Reduce the value of your estate for inheritance tax purposes
  • Make use of available exemptions and reliefs
  • Support family members at key life stages
  • Provide greater certainty over how your wealth is used

However, the rules around gifting can be complex, particularly when considering timing, control, and tax implications.

How we help

Our lifetime gifting strategies do this by:

  • Reviewing your current assets, income, and long-term needs
  • Identifying appropriate gifting opportunities
  • Advising on available exemptions (such as annual allowances and normal expenditure out of income)
  • Structuring gifts to maximise tax efficiency
  • Ensuring appropriate documentation and record-keeping

We balance tax efficiency with practicality so your strategy works in real life, not just on paper.

Key considerations

Effective gifting requires careful planning. We help you consider:

  • Inheritance tax rules – including the seven-year rule and potentially exempt transfers.
  • Retention of benefit – ensuring gifts are not caught by “gift with reservation” rules.
  • Affordability – making sure your own financial security is not compromised.
  • Control and timing – deciding when and how to transfer assets.
  • Interaction with wider planning – including wills and estate structures.

Who this is for

This service is suited to individuals who:

  • Have built up assets over time and want to pass on wealth gradually.
  • Are looking to reduce future inheritance tax exposure.
  • Want to support children or family members earlier in life.
  • Are reviewing their estate planning strategy.

A joined-up approach

Lifetime gifting should not sit in isolation.

We ensure your gifting strategy works alongside your estate planning, wills, and personal tax position creating a consistent and effective long-term plan.

Start planning with confidence

If you are considering passing on wealth during your lifetime, we can help you do so with clarity and structure.