Switch location / audience type

This content is not available based on your location and audience type.

You currently have access to view the Uk website for Independent Financial Advisers (IFAs).

If this does not apply to you, go back to our homepage.

Select a location
Select an audience type

Let us know who you are so we can optimise your experience.

Please select your audience type

This includes trust companies, fiduciaries, insurance companies, Wealth Advisers and other professionals.

Important information

You are about to enter our website for professionals. If you would like to return to our main website, go back to our homepage.

Please read the terms and conditions before proceeding.

Please note these are subject to change at any time.

The information in this area of the website is aimed at financial advisers, corporate service providers, wealth advisers, and legal and accountancy professionals. It is not intended for direct use by private investors or onward distribution to retail clients or the general public. Please visit our homepage for information and resources for private clients.

The website is for information purposes only and is not to be construed as a solicitation or an offer to purchase or sell investments or related financial instruments.

I confirm that I am one of the categories of professional mentioned above, and that where applicable I am authorised and regulated by the Financial Conduct Authority or equivalent regulated body given my jurisdiction, location, and profession. I have read and understood the legal information and risk warnings.

By clicking the "Accept" button, you agree to abide by the terms and conditions listed below.

Select a location
Select an audience type
You need to select your audience type.
You need to select your audience type.

This includes trust companies, fiduciaries, insurance companies, Wealth Advisers and other professionals.

You need to select your audience type.
Skip to main content

Inheritance tax planning service

Specialist IHT portfolio service

Do you know how much inheritance tax (IHT) your clients may have to pay on their estates? Inheritance tax is paid on the value of your clients’ estates when they die, but it can also apply to some gifts they make during their lifetimes. Careful and expert inheritance tax planning now is vital to ensure your clients are able to pass on more of their wealth to the people and causes they choose.

Our inheritance tax planning and IHT portfolio services are all about passing on as much of an estate as possible, while also giving your clients flexibility and control over their arrangements.

Our inheritance tax calculator

Your clients can use this useful tool to help calculate their inheritance tax.

Calculate your inheritance tax

IHT is payable on the value of anything you leave behind when you die. The standard rate is 40% and is due on any amount above £325,000 for an individual.

£325,000 per person

*This assumes that you aren't entitled to the residence nil-rate band, that your assets will not qualify for business relief, that you have not made any gifts in the last seven years, and your estates do not qualify for a reduced IHT rate of 36%. Our experts can advise on where the reduced rate may apply.

Email my results
Tick icon
This needs to be a valid email address This is a required field
This needs to be a valid email address The email addresses need to match This is a required field
This is a required field
This is a required field
There are errors with the above form There was an error requesting your report, but your details have been saved. Please try again later. If you continue to see this message please contact us using the links below.

Submit details

Your email submission has been successful

We hope that your report provides motivation to keep building confidence in your financial future. We know it can be a daunting task so if you have any questions, please call one of our wealth planning experts.

Independent inheritance tax planning experts

Effective inheritance tax planning is a considered and precise process that forms part of a comprehensive wealth strategy encompassing all of your clients’ goals and assets. Our highly qualified Wealth Planners are not tied to any specific product or provider (not even Canaccord Genuity), so they can consider a broad range of solutions and make sure they have the best structures in place to meet their financial objectives.

Get independent inheritance tax planning advice for your clients

Arrange a free consultation with an independent Wealth Planner for your client

Get in touch

IHT planning and passing wealth – how we can help

Our Wealth Planners will spend time with you and your clients to make sure they understand your clients’ personal goals and plans for their heirs, as they could affect the inheritance tax payable on their estates. They will then develop a forward-thinking strategy to help your clients achieve their objectives, comfortably maintain their lifestyles and legitimately manage the IHT due on their estates.

Importantly, they will also advise on the right order to do things in, so as not to harm your clients’ IHT positions or impact other areas of their wealth planning.

Our inheritance tax planning services include:

  • Cash flow modelling – Using cash flow modelling to create a robust forecast of your clients’ future income and expenditure, so they don’t spend or give away more than they can afford
  • Making the most of allowances – Making the most of all the allowances available to your clients to maximise tax efficiency, such as those gifts no longer included in their estates for IHT purposes, even if they die within seven years of making them
  • Gifting excess income and assets – Working with you and your clients to decide what income and assets they can comfortably afford to give away, to reduce the amount of their estates that may be liable for IHT
  • Specialist investments – Advising on how certain investments can be used to reduce inheritance tax while offering growth potential to enhance your clients’ legacies. If your clients already invest through our investment management service, our Wealth Planners will work closely with their Investment Manager to restructure their portfolio.

Inheritance tax portfolio service

Canaccord Genuity’s own IHT portfolio is a simple and efficient strategy for managing IHT, as many Alternative Investment Market (AIM) shares benefit from business relief and offer growth potential.

It invests in a diversified range of established profitable companies chosen from the AIM. Once an investor has held an investment in certain AIM companies for two years, it no longer counts as part of an estate for IHT purposes, which is favourable compared to the seven-year rule for gifts and simple trust transfers.

Why choose our IHT portfolio service?

  • We have a strong track record for delivering superior investment returns
  • We actively manage the portfolio for your clients to ensure the chosen investments are always suitable and working hard for them
  • Investing in AIM lets your clients take advantage of a dynamic market of growing businesses
  • Each client’s inheritance tax portfolios can be included in their annual ISA allowance, so they benefit from tax-free growth
  • They will be kept regularly updated with contract notes and quarterly formal valuations.


Get independent inheritance tax planning advice for your clients

Arrange a free consultation with an independent Wealth Planner for your client

Get in touch

This service should be regarded as high risk as it is exclusively focused on equities. The portfolios are wholly invested in small capitalisation stocks. These companies are therefore more volatile and whilst they offer great potential, growth is not guaranteed. It is important to note that this should be seen as a long-term investment. The current inheritance tax rules and tax treatment of AIM shares may change in the future. We strongly recommend that clients discuss their financial arrangements with their tax adviser before investing, as the value of any tax reliefs available is subject to individual circumstances.

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

Our portfolios are designed to work over a typical investment cycle of 7-10 years, so we recommend you stay invested for at least seven years.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.

To find out more about our IHT Portfolio Service, request a call back from our dedicated intermediaries now.

Comprehensive wealth planning

A full review of your clients’ finances, leading to a personal wealth management plan.

Find out more

Long-term care planning

Holistic advice on achieving the right financial plan to see your clients comfortably through the rest of their lives.

Find out more

Retirement planning

Bespoke planning, pension advice and cash flow modelling to achieve the retirement your clients want.

Find out more

Services for business owners

Specialist advice on business protection, retirement, employee benefits and the sale or flotation of a business.

Find out more

More on inheritance tax

Don’t score a financial own goal: here are some financial planning tips to stick to

Can’t stick to your financial goals? We’ve outlined five key fiscal resolutions, which are realistic and easy to measure. Use these ideas to help you become the best goalkeeper you can.

Read more
Trusts for estate planning: what, when and how?

Andrew Chastney, technical specialist, discusses the details of trusts, the specifics of setting one up, and how they can work for and benefit certain individuals.

Read more

Wealth management updates

Read more

Download our IHT services brochure

  • Learn about IHT
  • Read our six tips to help manage the IHT due on your estate
  • Find out more about specialist investments such as our IHT Portfolio Service.


How can we help?

If you would like to know more about how our IHT Portfolio Service can help your clients, or want to speak to one of our team, get in touch. We will be delighted to give you more details.

Photo of David Goodfellow

David Goodfellow

Head of UK Financial Planning

I started my financial career as a trainee Chartered Accountant on Black Monday in 1987 and moved to the world of private client financial planning in 1990. I was an advisor for Watson Wyatt and then Hill Martin before moving to Eden Financial to start their Financial Advisers business. The Company acquired Eden Financial in 2012, and I subsequently became Head of Wealth Planning in 2015.

I specialise in both financial planning and tax driven investment planning, including advising on VCTs, EISs and investments attracting Business Relief for IHT purposes. I am a member of the Personal Finance Society and the CISI.

I have been involved in a number Wealth Planning acquisitions the company has made over the past few years and have seen our adviser team grow from approximately ten in 2019, to nearly 50 in 2023. Retaining a strong culture within the firm and ensuring our clients receive consistently high-quality advice and solutions is largely to thank for this expansion.

Photo of Matthew Phillips

Matthew Phillips

Director of Wealth Planning

Matthew Phillips is Director of Wealth Planning and responsible for the wealth planning business at Canaccord. He has spent over 25 years providing financial planning and investment advice to clients and for the last 10 years has led the financial planning business of Thomas Miller before its acquisition by Canaccord in 2019. His career started in 1994 with the then Woolwich Building Society before he joined Deloitte, where he worked with a range of pension schemes, trusts and high net worth individuals. He was responsible for the expansion and day-to-day management of Deloitte's financial planning in Scotland and Northern Ireland. He moved to become an Investment Director of Clear Financial Management, also providing advice to pension schemes, trusts and high net worth individuals and joined Broadstone, formerly BDO, in 2005. He was Managing Director of Broadstone Pensions & Investments Ltd until November 2014 and assisted with the sale of the business to Thomas Miller Investment in December 2014.

Matthew is a member of the Personal Finance Society and has professional qualifications in investment management, portfolio construction and investment management within pensions. He has a first class honours degree in Geology from London University.

Photo of Paul Parker

Paul Parker

Senior Investment Director – Head of IHT Investments

Paul Parker is head of our IHT Portfolio Service team and specialises in AIM IHT portfolios. He has been with Canaccord Genuity since 2001, and has an in-depth understanding of managing funds for high net worth individuals, pensions, trusts and charities. He has been running IHT portfolios since 2006.

Paul is a Chartered Wealth Manager and Fellow of the Chartered Institute for Securities and Investment. 

Find out more about our expert team

Our people


Want to know more?Get in touch


If you would like to know how our independent Wealth Planners, working collaboratively with legal and accountancy professionals, can help clients plan their financial future, please get in touch. We will be delighted to provide more details of our services.

Find out more about our independent wealth planning services.

Click here to read our privacy policy.


Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.