In December’s Scotman Money Q&A, Chartered Financial Planner Andrew Sutherland explains why the notion that inheritance tax (IHT) only affects the ultra-rich no longer holds true. Even many married couples may pass on as much as £1 million before incurring IHT – a figure that can be quickly reached by homeowners in many parts of the UK.
Andrew encourages people to view wealth transfers as a deliberate decision: whether that means gifting to loved ones during your lifetime or planning a structured legacy for future generations.
With careful advice, you can make informed choices about timing, tax implications and ensuring your estate supports the people you care about most.
Read the full Q&A in The Scotsman here.
Editor’s Notes
Published in Scotsman Money 1st December 2025.
The information provided is the opinion of Andrew Sutherland, Chartered Financial Planner and should not be considered advice.
Acumen Financial Planning Ltd is authorised and regulated by the FCA, FRN 218745.