Estate Planning
Overview
Protect and preserve your legacy with our estate planning tools. We help you build a strategy that transfers wealth efficiently and minimises Inheritance Tax exposure, especially as unused pension funds enter the estate from April 2027.
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Estate Planning
Once your lifestyle and goals are covered, it's time to plan your estate. Optiml models Inheritance Tax, the nil-rate band, the residence nil-rate band, and the April 2027 pension changes so the after-tax outcome, not the headline pot, drives your plan.
How do I want to leave my assets?
After-tax estate value matters more than the headline number
Will my children have enough to live the life I'd want for them?
Am I leaving too much, and can I afford to spend more now?
Understanding UK estate planning
Estate planning is about more than passing on wealth, it's about creating a lasting legacy that reflects your values. A well-designed estate plan ensures your assets are distributed according to your wishes while minimising the Inheritance Tax impact. From sequencing pension withdrawals around the April 2027 IHT rules to choosing the right wrappers for different types of assets, estate planning requires careful coordination. Optiml helps you understand your options and build a plan that protects your legacy and provides for the people you love.
Key Benefits
Legacy protection
Ensure your wealth is preserved and transferred according to your wishes.
Tax efficiency
Minimise Inheritance Tax when transferring wealth to the next generation.
Strategic planning
Create a coordinated plan that aligns with your estate goals.
Ready to build your optimized plan?
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