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ESTATE & LIFESTYLE PLANNING

Protect your legacy, reduce inheritance tax, plan gifting and trusts – all aligned to your family, values and goals.

True financial success isn’t just about building wealth, it’s about protecting it and passing it on in the right way. At McCarthy Wealth Management, we help you take control of your estate so that what you’ve worked hard for benefits the people and causes that matter most to you.


Our estate and lifestyle planning service brings together practical financial expertise with sensitivity and foresight. From inheritance tax planning and trust structures to gifting strategies and legacy protection, we’ll ensure your assets are managed efficiently and with dignity.


We also look beyond the numbers, helping you plan for how you want to live today while preparing for tomorrow. That means creating flexibility, ensuring your loved ones are supported, and giving you the confidence that your affairs are organised according to your wishes. With McCarthy Wealth Management, your wealth isn’t just preserved, it’s given purpose.

WHAT YOU'LL GET

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INHERITANCE TAX (IHT) ANALYSIS, ALLOWANCES & LIABILITY FORECASTS

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GIFTING STRATEGY & EXEMPTIONS

(Lifetime gifts, spose transfers)

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WILL & TRUST STRUCTURE LIASON

(We're not solicitors but can guide)

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LEGACY PLANNING, PHILANTHROPIC, ETHICAL, WEALTH IN TRUST

WHO'S IT FOR

  • People with significant assets who want to reduce IHT impact
  • Families wanting clarity on how wealth passes across generations
  • Anyone wanting a plan so their wishes matter, not tax rules

FAQ'S

Frequently asked questions about Estate and Lifestyle Planning...

  • 1. Will I always pay inheritance tax (IHT)?

    Not necessarily. Through allowances, gifts, trusts and careful planning, many estates pay little or no IHT. We’ll run the numbers for you.

  • 2. Can I make gifts now without tax penalties?

    Yes, there are allowances (e.g. annual gifts, small gifts, marriage gifts) and strategies. But we’ll ensure you don’t lose control or protection.

  • 3. Do I need a trust or will?

    Usually yes. A will ensures your intentions are followed; trusts can add protection, especially for vulnerable beneficiaries or blended families.

  • 4. What is the 7-year rule on gifts?

    In UK inheritance tax rules, gifts made more than 7 years before death may fall outside the estate. The taper relief and conditions are complex, we’ll explain how this might apply to you.

  • 5. How often should I review my estate plan?

    Every 3–5 years or upon major life events (marriage, children, significant asset changes). We encourage regular reviews.

“Good advice isn’t a one-off conversation - it’s an ongoing relationship.”