Deep Dive Estate Planning

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Deep Dive Estate Planning Helping you protect your family wealth from inheritance tax and other threats.

30/09/2026

Most people know that Inheritance Tax is paid on money that has already been taxed once.

But there is a part of this story that does not get talked about nearly enough.

What happens to that tax liability as it passes from one generation to the next.

Peter explains in this short video. The answer might surprise you.

If you are ready to start understanding what good estate planning could look like for your family, we would love to hear from you.

Find out more via the link in the comments.

Most decisions in estate planning are made with a clear intention.They are often practical, sensible, and based on the i...
29/09/2026

Most decisions in estate planning are made with a clear intention.

They are often practical, sensible, and based on the information available at the time. For example gifting to support family, adjusting ownership for convenience, or putting arrangements in place to simplify matters later on.

What isn’t always considered is how those decisions may play out over time. Changes in circumstances, interactions with other parts of the estate, or assumptions that don’t quite stand up to testing can all lead to outcomes that were never intended.

Have you put any planning strategies in place to mitigate any unintended consequences?

If you’d like to review your situation, you can contact us here: https://deep-dive-trusts.co.uk/contact/

Most people complete their estate plan, put it in a drawer, and largely stop thinking about it.The difficulty is that li...
28/09/2026

Most people complete their estate plan, put it in a drawer, and largely stop thinking about it.

The difficulty is that life does not stop changing.

We've written about why reviewing your estate plan regularly matters, and what happens to families who leave it too long.

Read the full blog, "How Often Should You Review Your Estate Plan", via the link in the comments.

25/09/2026

The number one mistake Peter sees in estate planning is focusing immediately on what passes down at the point of death.

It is an understandable place to start. But it is not always the right one.

Before any conversation about trusts, gifts or Inheritance Tax, there is a more important question to answer.

What is your wealth likely to do as you go through retirement?

Because if there is money that is unlikely to be needed, that changes everything. It gives families the freedom to start thinking about lifetime gifts, earlier inheritances, and strategies that could make a far greater difference to the next generation than anything passed on at death.

The difficulty is knowing whether that freedom actually exists.

That is what Deep Dive's cash flow modelling is for.

If you are ready to start understanding what good estate planning could look like for your family, we would love to hear from you.

Find out more via the link in the comments.

A busy day at Deep Dive HQ.Peter's book, The Inheritance You Pay For, is officially released today.Two hundred hardbacks...
24/09/2026

A busy day at Deep Dive HQ.

Peter's book, The Inheritance You Pay For, is officially released today.

Two hundred hardbacks. Every one signed by hand, and every one going out to someone who ordered a copy as part of the initial launch.

It is a slightly surreal feeling to see years of study, opinion, stories and advice arrive like this.

But that is what the book is all about. Family first, tax second. It is what Peter has believed for the best part of two decades advising families on their estates.

Thank you to everyone who has already ordered a copy.


Most parents know they should talk to their children about their estate.Very few ever quite get around to it.We've writt...
24/09/2026

Most parents know they should talk to their children about their estate.

Very few ever quite get around to it.

We've written about why that conversation matters more than most families realise, and why sooner is almost always better than later.

Read the full blog, "When Should You Start Talking to Your Children About Your Estate", via the link in the comments.

Trusts are often spoken about as if they are a solution in their own right.They are a way of structuring how decisions a...
22/09/2026

Trusts are often spoken about as if they are a solution in their own right.

They are a way of structuring how decisions are made over time. Rather than assets passing outright, a trust allows responsibility to sit with trustees, with decisions made in line with the terms of the arrangement and the circumstances at the time.

That distinction is important. It creates the ability to manage how and when assets are accessed, to respond to changes in circumstances, and to introduce a level of control that isn’t available where assets are transferred directly.

We regularly advise on and implement trust structures where flexibility, control, and long-term planning need to be built in from the outset.

If you’d like to explore how trusts may fit within your arrangements, you can contact us here: https://deep-dive-trusts.co.uk/contact/

Care is the question that brings many families to us.How it is paid for, what it means for the rest of their plans, and ...
22/09/2026

Care is the question that brings many families to us.

How it is paid for, what it means for the rest of their plans, and what happens to the family home.

On Tuesday 6th October Peter is joining Beth King of Marsons Solicitors at KYN Bickley to talk it through, alongside pensions, Inheritance Tax, Lasting Powers of Attorney, wills and probate.

If you or someone in your family is starting to think about later life, we would love to see you there.

6.00pm to 7.30pm at KYN Bickley, Bickley Park Road, BR1 2AZ.

To reserve a place, email [email protected]. Questions are welcome in advance.

18/09/2026

Before any Inheritance Tax planning begins, we believe there is a more important conversation to have first.

It has nothing to do with trusts, wills or tax.

And it is one most couples never quite get around to having.

Peter wrote about it recently. Find out more via the link in the comments.

We occasionally speak to families who have convinced themselves that downsizing is the obvious answer to their Inheritan...
17/09/2026

We occasionally speak to families who have convinced themselves that downsizing is the obvious answer to their Inheritance Tax problem.

Sometimes it is the right decision but not for the reasons they think.

The family home is not just an asset. For most people it is where children grew up, where decades of ordinary life happened, and where they still want to be.

Making a significant life decision solely to reduce a future tax bill can sometimes create more problems than it solves and, in many cases, it is not necessary.

Good estate planning creates choices. It does not take them away.

I have written about what to consider before making that decision and what other options are usually worth exploring first.

The link is in the comments.

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