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Chairman's Chat
Bearing in mind the changes in the 2024 budget, you will see the need for advice on this and all other generational planning is now paramount. Given that 43% of all the money invested in the UK is in pension funds, it is not surprising that the Chancellor decided that this is a place for future growth in the Exchequer’s Coffers!
Over the next 30 years, £5 trillion of assets will pass over to the next generation; this is the largest wealth transfer in UK history. Obviously, HMRC see this as a significant potential source of tax revenue into the Exchequer and for this reason I suspect we will see further changes in taxation on wealth transfers and generational planning.
Thankfully, there are still plenty of legal ways to deal with the taxation that arises when we move assets from one generation to the next, but it is crucial that any such planning remains HMRC compliant.
Our main aim at Generational Wealth Management (GWM) is to help design legal and tax efficient ways to achieve effective IHT mitigation. In particular, the use of trust planning is going to become very important as the new rules come in. We have been dealing in this area for over 35 years and now consider it to be our main specialism.
Read an interesting article from the Daily Telegraph about a very topically subject on ‘Using gifts to avoid inheritance tax’. Click the below button to view feature.
“Farmers express growing concern over proposed changes to Inheritance Tax, read this insightful article to understand how it could impact rural estates and agricultural businesses.”
Challenge Your Financial Acumen
Put your Generational Planning knowledge to the test
Take our quick-fire quiz to see how much you really know about inheritance tax, pensions, mortgages, and estate planning.
Click the ‘Reveal’ tab to uncover the correct responses and learn something new along the way.
1. 💷 Inheritance Tax: Know the Threshold
Question:
As of 2025, what is the standard Inheritance Tax (IHT) threshold (nil-rate band) in the UK for an individual?
A) £325,000
B) £500,000
C) £1,000,000
D) £650,000
2. 🏡 Property & Generational Wealth
Question:
Which financial vehicle is commonly used to pass on a mortgage-free property to the next generation while minimising IHT liability?
A) Gifting during life
B) Placing property in a discretionary trust
C) Equity release
D) All of the above
3. 🛡️ Estate Planning
Question:
What is one of the most overlooked but critical documents in estate planning that protects decision-making during incapacity, not death?
A) Will
B) Power of Attorney
C) Trust deed
D) Grant of Probate
4. 🧓 Pensions & Tax-Free Cash
Question:
Up to what percentage of a UK pension pot can typically be withdrawn tax-free at retirement?
A) 10%
B) 25%
C) 50%
D) 100%
5. 📉 Inheritance Tax on Pensions
Question:
If someone dies before age 75 and leaves their pension to a beneficiary, how is it taxed (under current rules)?
A) Fully taxed as income
B) Subject to 40% IHT
C) Tax-free
D) Treated as capital gains
6. 🏦 Mortgage Legacy
Question:
Which type of mortgage is most likely to create a debt burden for future generations if not planned properly?
A) Lifetime mortgage (equity release)
B) Interest-only mortgage
C) Repayment mortgage
D) Offset mortgage
7. 👶 Gifting & Generational Transfers
Question:
How much can you gift each year (per person) without it counting towards your estate for IHT purposes?
A) £500
B) £1,000
C) £3,000
D) £5,000
8. 👵 Planning Across Generations
Question:
Which of the following is a core principle of generational financial planning?
A) Spend it all before you go
B) Invest only for retirement
C) Preserve, grow, and transfer wealth
D) Avoid discussing money with family
9. 🍼 Junior ISAs & Family Wealth
Question:
What is the maximum amount that can be contributed to a Junior ISA in the 2025/26 tax year?
A) £3,000
B) £6,000
C) £9,000
D) £12,000
10. 🧾 Probate Planning
Question:
Which of the following can help avoid delays and costs in the probate process?
A) Making a detailed letter of wishes
B) Keeping all assets in your sole name
C) Using joint ownership and naming beneficiaries
D) Ignoring pension nomination forms
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