The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.
Whitebeam Independent Financial Advice Limited is Authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trusts, Powers of Attorney or Wills
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk
Registered in England & Wales, Company number 08000855.
Registered Office: Grosvenor House, 11 St Paul's Square, Birmingham B3 1RB
Inheritance Tax Planning
Book Your Free Initial Consultation
Speak confidentially with a trusted expert.
No pressure, no jargon, just answers.
Without careful planning, up to 40% of everything above the thresholds could be lost to inheritance tax.
What do our existing customers think?
Simply get in touch with our friendly expert team today - we’re here to help and happy to answer any questions you have.
Need More Information?
Why Choose Us Over High-Street Solicitors?
Fixed Price?
✅ Yes, £499 total vs ❌ £2,000+ in legal fees
There are a number of reasons to purchase your consent order through us.
0121 444 4210
Get in touch:
Why Think About Inheritance Tax Now?
More estates are affected: Allowances have been frozen for years while property and investment values keep rising.
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Pension rule changes: From April 2027, most unused pension funds will count towards your taxable estate.
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Simple mistakes are costly: DIY planning can trigger unexpected tax bills.
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Finalist: 2023
Why Choose Our Fast-Track Consent Order Service?
We Specialise in Tailored Inheritance Tax Planning
Benefit from a FREE initial consultation where we will explore:
• How we can review your estate against current and future thresholds.
• Discuss how we can explore which strategies suit your needs.
• Explain how we can co-ordinate with your solicitor to align trusts, wills and powers of attorney.
• Discuss how we can explore insurance and investment options to mitigate or cover any potential tax.
Divorcing or Thinking of Getting Divorced?
Don’t Overlook the Pension.
You could be walking away from your biggest financial asset.
Gem Durham, owner and founder of Whitebeam Financial has worked as an Independent Financial adviser for over 20 years and is an expert, specialising in tax efficient strategies and tailored investments, helping you gain financial clarity, align wealth with your current and future goals and values. Creating a life of purpose, joy and a lasting legacy.
Options at a Glance
Spend – You’ve worked hard all your life, so enjoy the money you’ve earned.
Is there a dream holiday you’ve always wanted to take?
Something on the bucket list? If you’re fit and able, don’t keep putting it off.
With the appropriate planning, you can spend with confidence, safe in the knowledge that your future needs are still taken care of. A financial planner can potentially help you model your finances to strike the balance between living well now and protecting tomorrow.
Gift – There’s great satisfaction in seeing loved ones benefit from your generosity during your lifetime.
But gifting is not always straightforward. Rules around Potentially Exempt Transfers (PETs), Chargeable Lifetime Transfers (CLTs), and trusts can all have different tax consequences. A financial adviser can potentially help you structure your gifts in the most effective order, so you retain control, manage any risks, and protect your long-term plans.
Wills – Keeping your will up to date is one of the simplest yet most powerful steps you can take to ensure your wishes are followed.
It’s also worth remembering that the will of someone who has already passed away can sometimes be varied - within two years of their death, to improve tax efficiency or reflect family needs.
Business Property Relief (BPR) – While not suitable for everyone, BPR can be a valuable tool for certain investors.
It allows you to increase the amount you can pass on without paying inheritance tax.
Whole of Life Assurance – One option to manage your estate is to insure against the inheritance tax bill itself.
Whole of Life cover can provide your beneficiaries with the means to pay the liability without touching the assets you’ve worked hard to build.
If you’re unsure what to do next - take a breath. You’re in the right place.
Faster Turnaround – Get your Consent Order 8-12 weeks quicker than other providers.
Gem Durham: Founder of Whitebeam Financial
We Specialise in Tailored Inheritance Tax Planning
Most women don’t realise they’re entitled to a share of their ex’s pension - or how much it could be worth.
Others walk away with a settlement but no idea what to do next.
It’s confusing. It’s overwhelming. And the wrong decision now could cost you years later.
Get in touch:
Book Your Free 15-Minute Clarity Call
Speak confidentially with a trusted expert.
No pressure, no jargon, just answers.
Online & Fast?
✅ Yes, 8 weeks vs ❌ Typically 6+ months
Ongoing Support?
✅ Yes, Dedicated Manager vs ❌ Hourly Fees
Simply get in touch with our friendly expert team today - we’re here to help and happy to answer any questions you have.
Need More Information?
The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.
Whitebeam Independent Financial Advice Limited is Authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trusts, Powers of Attorney or Wills
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk
Registered in England & Wales, Company number 08000855.
Registered Office: Grosvenor House, 11 St Paul's Square, Birmingham B3 1RB
We help women navigating divorce secure what’s rightfully theirs - starting with expert guidance on pension sharing orders.
Book Your Free 15-Minute Clarity Call
Speak confidentially with a trusted expert.
No pressure, no jargon, just answers.
Gem Durham: Founder of Whitebeam Financial
Gem Durham, owner and founder of Whitebeam Financial has worked as an Independent Financial adviser for over 20 years and is an expert, specialising in tax efficient strategies and tailored investments, helping you gain financial clarity, align wealth with your current and future goals and values. Creating a life of purpose, joy and a lasting legacy.
Options at a Glance
Spend – You’ve worked hard all your life, so enjoy the money you’ve earned. Is there a dream holiday you’ve always wanted to take?
Something on the bucket list? If you’re fit and able, don’t keep putting it off. With the appropriate planning, you can spend with confidence, safe in the knowledge that your future needs are still taken care of. A financial planner can potentially help you model your finances to strike the balance between living well now and protecting tomorrow.
Gift – There’s great satisfaction in seeing loved ones benefit from your generosity during your lifetime.
But gifting is not always straightforward. Rules around Potentially Exempt Transfers (PETs), Chargeable Lifetime Transfers (CLTs), and trusts can all have different tax consequences. A financial adviser can potentially help you structure your gifts in the most effective order, so you retain control, manage any risks, and protect your long-term plans.
Wills – Keeping your will up to date is one of the simplest yet most powerful steps you can take to ensure your wishes are followed.
It’s also worth remembering that the will of someone who has already passed away can sometimes be varied - within two years of their death, to improve tax efficiency or reflect family needs.
Business Property Relief (BPR) – While not suitable for everyone, BPR can be a valuable tool for certain investors.
It allows you to increase the amount you can pass on without paying inheritance tax.
Whole of Life Assurance – One option to manage your estate is to insure against the inheritance tax bill itself.
Whole of Life cover can provide your beneficiaries with the means to pay the liability without touching the assets you’ve worked hard to build.
If you’re unsure what to do next - take a breath. You’re in the right place.
• How we can review your estate against current and future thresholds.
• Discuss how we can explore which strategies suit your needs.
• Explain how we can co-ordinate with your solicitor to align trusts, wills and powers of attorney.
• Discuss how we can explore insurance and investment options to mitigate or cover any potential tax.
Speak confidentially with a trusted expert.
No pressure, no jargon, just answers.
Book Your Free Initial Consultation
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Find Out More about How We Can Potentially Help with Inheritance Tax Planning.
Divorcing or Thinking of Getting Divorced?
You could be walking away from your biggest financial asset.
Inheritance Tax Planning.
Protect Your Wealth.
Without careful planning, up to 40% of everything above the thresholds could be lost to inheritance tax.
We help women navigating divorce secure what’s rightfully theirs - starting with expert guidance on pension sharing orders.
Don’t Overlook the Pension.
Do You Need to Plan?
You only need to act if your estate is likely to exceed these limits:
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You are single, with no children: up to £325,000 inheritance tax free.
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You are single, with children and have a home: up to £500,000.
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You are married or civil partnered: up to £650,000.
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You are married with children and own a home: up to £1 million
Anything above these thresholds is taxed at 40%.
If you fall below these limits, you won’t pay any inheritance tax.
Benefit from a free initial consultation where we will explore: