The Benefits of Inheritance Tax Planning

My grandmother and her twin brother, my great uncle Albert, each inherited £250,000 in the 1980s from selling the family's cloth distribution business.

My grandmother and her twin brother, my great uncle Albert, split half a million pounds, the proceeds of selling a cloth distribution enterprise, equally between them. When they died in the late 1980s, each of them passed on that quarter million-pound wedge in their estates.

First, my great uncle Albert...

His estate paid inheritance tax at 40% therefore his daughter, my aunt inherited only £150,000. My aunt got divorced in what turned out to be the last year of her life – on her divorce, half of her £150,000 walked on her divorce. Therefore, she had only £75,000 of the original quarter million to pass on to her children.

Now my grandmother...

By the bolts and nuts of her estate planning when my grandmother died, her daughter, my mum had full use of the £250,000. Because granny had done the hard work, now my mother has died, I today have unrestricted access to the £250,000, and when I die, my daughter would have the full £250,000.

How would you rather arrange your affairs, like my grandmother, or like my great uncle Albert?

Meet Ade Oduyemi

I've been an inheritance tax specialist for nearly four decades.

My path to this work wasn't academic. It was personal.

After earning my master's degree in finance, obtaining an FPC 6 (financial planning certificate), and working as a general financial adviser, I witnessed firsthand how proper estate planning transforms families. I saw clients like Alice, a teacher who could pursue fulfilling work because inherited income covered her basic needs. She wasn't wealthy by most standards, but she had financial security because someone in her family had planned properly.

Then I saw what happened in my own family. Same inheritance, opposite outcomes. That's when I knew this would be my life's work.

Since then, I've helped hundreds of families preserve their wealth across generations. I've seen every scenario you can imagine (and some you probably can't). I know where the pitfalls are. I know which solicitors get this wrong. I know all 251 rules, exemptions and allowances inside out.

Most importantly, I know how to keep your money in your family.

Here's what you should know about how I work:

Most solicitors handle wills. Some handle trusts. Very few specialize in the intricate tax planning that actually protects wealth across generations.

Those who do typically work in large firms with high overhead and billable hour pressures.

I'm a sole practitioner. I take on a handful of clients each month. This means I can invest the time and attention your family's financial future deserves.

Your situation is unique. Your family dynamics are unique. Your ambitions are unique.Therefore, your plan to keep your money in your family must me unique.

No templates. No one-size-fits-all solutions. Just proper planning tailored to your circumstances.

Your Next Step

If you've come this far, you already know proper planning matters.

The question is: will you act on it?

I can help you create a plan that keeps your money in your family. Not just for your children, but for your grandchildren and beyond. A plan that uses every legal tool and allowance to protect what you've built.

But I can only take on a limited number of clients each month.

If you're ready to protect your family's financial future, let's talk.

We'll review your situation, identify your current and potential problems, and outline exactly how to keep your wealth in your family.

Book your three-step plan consultation.

Frequently Asked Questions