How HMRC Takes 40% of Your Estate — Unless You Do This

Inheritance Tax in the UK is one of the harshest — and most misunderstood — taxes. Most families have no idea that HMRC can take 40 percent of everything above your allowances, and even fewer understand how easy it is to accidentally lose £175,000 of tax relief. FREE PAY SHEET The Director's Pay Sheet 2026/27. The exact salary and dividend split to pay yourself this year, at the rates that actually apply. Free download: https://tax4pros.co.uk/pay-sheet WORK WITH TAX 4 PROS Accounts, tax and planning for UK company directors, handled monthly. Tell us about your company, six questions, about a minute: https://tax4pros.co.uk/apply?utm_sour... In this video, I break down exactly how IHT really works, why the rules are catching ordinary families (not just the wealthy), and the strategies used by families who legally avoid huge inheritance tax bills. You'll learn: ✔ The Nil-Rate Band (£325k) — why it hasn't moved since 2009 ✔ The Residence Nil-Rate Band (£175k) — and why most people lose it ✔ The brutal £2 million taper trap ✔ How the 40% tax actually applies — and how to reduce it to 36% ✔ Why ordinary families pay MORE IHT than multi-millionaires ✔ The 7-year gifting rule explained in human terms ✔ How the wealthy move assets before HMRC can touch them ✔ The simple steps anyone can take to protect their estate This is not theory — it's real-world planning used by business owners, property investors, and families who want their children to inherit their wealth, not HMRC. If you want to protect your estate, this is the video to watch from start to finish. THE EXIT PLAYBOOK (£37) If the estate is the problem, this is the map: the seven legal levers a UK company director can pull to keep more of what they earn, from how you pay yourself up to leaving the country, with the real limit on each one. Instant download: https://tax4pros.co.uk/playbook?utm_s... THE TAX GAME PLAN (£9) For the year in front of you rather than the estate behind it. The Pay Sheet gives you the split. The Game Plan is the rest of the year: the Child Benefit charge, the 60% band, putting family on the payroll, the VAT and electric car decisions, the director's loan account, and a month by month calendar. Nine pounds: https://tax4pros.co.uk/gameplan?utm_s... MONTHLY PACKAGES Rather just have it handled every month? Accounts, tax and planning for UK company directors on a flat monthly fee, from £125: https://www.tax4pros.co.uk/packages Book a call with the team: https://apply.ctprivateoffice.com/sta... Youtube Membership:    / @sarah-charlton   Setup Your Director Pension with Penfold: https://sites.tax4pros.co.uk/Director... Relevant Life Insurance - https://partnerportal.caspianinsuranc... Invoicing Finance Form: https://sites.tax4pros.co.uk/Invoice-... #uktax #inheritancetax #uktax