Effective family tax planning helps you reduce tax across generations whether you’re saving for your children’s future, supporting a spouse, or thinking about inheritance. With the right structure, you can provide for your family while legally minimising your overall tax bill.

Why Family Tax Planning Matters

Without a tax plan, your income, gifts or estate could be exposed to unnecessary tax. Many people don’t realise how quickly Inheritance Tax (IHT) can reduce what’s left for the next generation or how simple steps today can reduce that liability significantly.

At A4G, we help business owners and families:

  • Plan ahead to reduce future IHT liabilities
  • Use gifting allowances and family trusts efficiently
  • Structure income across family members tax-efficiently
  • Make the most of Marriage Allowance, Child Benefit and personal allowances

Family Tax Planning Services

We provide clear, tailored advice on:

Common Family Tax Planning Questions

You can gift up to £3,000 each year free of IHT and potentially more in certain circumstances. We help you use all available allowances.

Possibly but with early planning, the IHT bill can often be reduced or even eliminated.

Read more on our dedicated IHT page. 

Yes if used correctly. Trusts can be useful for protecting assets and controlling how wealth is passed on.

Read more on capital security companies here. 

Why choose A4G for Family Tax Planning?

We take time to understand your goals, family situation and concerns then create a plan to protect what matters most.

Holistic advice across business and personal wealth
IHT specialists and estate planners in-house
Sensitive, practical guidance for complex family structures
Coordinated advice with your solicitor or financial adviser

Related tax planning services

We don’t believe in a one-size-fits-all approach. Our tax planning service includes a tailored combination of personal and business support based on your goals and the current stage of your business journey.