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💀 “Will HMRC get a slice of your legacy?” Let’s talk about Inheritance Tax (IHT) — and how to reduce it 💷 — What You Need to Know 💰 IHT applies when your estate (property, savings, assets) exceeds £325,000 (the nil-rate band). 🏡 Married couples can combine allowances → up to £650,000 tax-free. 💸 Tax rate: 40% on anything above the threshold. 💡 Ways to reduce IHT: ✅ Gifts given more than 7 years before death → tax-free 🎁 ✅ Leave assets to spouse or charity → 0% IHT ✅ Use the Residence Nil
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