Bluebond

Bluebond Helping UK families legally reduce or eliminate inheritance tax through smart estate planning. Free webinars, practical strategies, real results.

At Bluebond each director has over 20 years experience in the financial services industry. The founding directors recognised that, in many situations, clients need advice and guidance with financial planning. We work together with a number of highly qualified tax accountants and tax lawyers to provide tax solutions for people who have generated high potential liabilities in most types of tax, incl

uding corporation tax. The service aims to reduce your overall liability by the use of both straightforward and more complex tax planning advice. The business is organised in a manner designed to provide the advisers with high levels of administration support, to allow them time to focus on you. In this way, we aim to deliver much higher levels of service and value than are found elsewhere.

28/08/2026

🇬🇧 Your home is probably the biggest driver of your inheritance tax bill.

Safe home income plans mean equity release can't exceed your home's value, and you stay safe in it. Release £500,000 from a £1m home, move it into a trust, a family investment company, or gift it, including to your children, and after 7 years it's outside your estate. Life insurance offers another way to deal with the liability.

🇬🇧 What business owners need to know about Business Relief after April 2026From 6 April 2026, only the first £1 million ...
27/08/2026

🇬🇧 What business owners need to know about Business Relief after April 2026
From 6 April 2026, only the first £1 million of your business gets full protection from inheritance tax. Anything above that is taxed at 20% instead of 40%.

Married? You and your spouse can protect up to £2 million together. AIM shares don't get this protection at all, they're always taxed at 20%. And if your shareholders' agreement has the wrong kind of clause, it could cancel your protection completely, so it's worth getting checked.

Read the full article here 👇
https://www.bluebond.co.uk/our-resources/articles/inheritance-tax-business-owners-bpr/

24/08/2026

🇬🇧 Can a Family Investment Company and Employee Benefit Trust ever be wound down?
Straight from one of our internal adviser meetings, Charles de Lastic, Founder and Marco Cortese, Financial Planner at Bluebond break down why the timing matters, and why it's almost never done during the settlor's lifetime.

Watch the video for the full explanation.

🇬🇧 Free Pension & Tax Saving WebinarThe 2027 pension changes could pull your family's pension into inheritance tax, cost...
21/08/2026

🇬🇧 Free Pension & Tax Saving Webinar

The 2027 pension changes could pull your family's pension into inheritance tax, costing tens of thousands if you don't plan ahead.

Join Charles de Lastic, tax and pension expert, for a free 2-hour live webinar with live Q&A. You'll learn how to legally reduce your tax bill, make your pension work harder, and get ahead of the 2027 changes before they land. Attendees also unlock a full Wealth Guidance Plan for £297 instead of £797.

Saturday 22 August, 8:30 AM GMT. 132 already registered.
Reserve your free seat here 👇
https://www.bluebond.co.uk/pension-tax-webinar-offer/

21/08/2026

🇬🇧 Thinking of putting your home into a trust, a company, or gifting it to your children? If you carry on living there, you may have achieved nothing and created new problems.

If you keep living in the property without paying full market rent, HMRC classifies this as a gift with reservation of benefit, so the property stays in your estate for inheritance tax anyway. Worse, when the property is eventually sold, it's now liable to capital gains tax. Your other option, paying full market rent, doesn't solve it either. That rent comes from your already taxed income, and then gets taxed again as income once it reaches the trust, company, or your children. As Charles de Lastic, Managing Director of Bluebond Group, explains, you've probably just doubled your tax bill.

🇬🇧 Is It Too Late for Inheritance Tax Planning in Your 70s?Turning 70 doesn't mean you've missed your chance. Several in...
19/08/2026

🇬🇧 Is It Too Late for Inheritance Tax Planning in Your 70s?
Turning 70 doesn't mean you've missed your chance. Several inheritance tax exemptions kick in straight away, no waiting seven years required.
Regular gifts from your spare income, small gifts, and wedding gifts can all reduce what's taxed on your estate immediately. And from April 2027, pensions left untouched will start counting towards your estate too, so it's worth checking your plan still makes sense.

Read the full article here 👇
https://www.bluebond.co.uk/our-resources/articles/iht-planning-in-your-70s/

13/08/2026

🇬🇧 There's a tax cliff edge at £2 million that most advisers forget to mention.

Between the £325,000 nil rate band and the £175,000 residence nil rate band, a couple can pass on up to £1 million tax-free. But if your combined estate is worth over £2 million, that residence nil rate band starts tapering away. For every £2 your estate exceeds £2 million, you lose £1 of the £175,000 allowance.

For a single person, the residence nil rate band is gone completely at £2,350,000. For a couple, it disappears entirely above £2,700,000, a potential £70,000 unexpected tax bill hidden in plain sight, and rising every year as property values climb.

Bluebond's team structures estates to protect every allowance, including the ones most advisers miss.

🇬🇧 How Does Inheritance Tax Apply to Buy-to-Let Property?Buy-to-let property counts as part of your estate and is taxed ...
12/08/2026

🇬🇧 How Does Inheritance Tax Apply to Buy-to-Let Property?

Buy-to-let property counts as part of your estate and is taxed at 40% above your available nil-rate band, exactly like any other asset, whether you own one flat or twenty.

Unlike a trading business, a rental portfolio gets no automatic relief. Business Property Relief doesn't apply because HMRC treats letting as an investment activity, not a trade. The residence nil-rate band never covers buy-to-let either, since it only applies to a home you've actually lived in. Gifting a property starts a seven-year clock, but can trigger Capital Gains Tax along the way, and a Family Investment Company can help larger portfolios pass down more efficiently with the right structuring.

Read the full article here 👇
https://www.bluebond.co.uk/our-resources/articles/buy-to-let-inheritance-tax-uk/

09/08/2026

🇬🇧 19 out of 20 Bluebond clients pay £0 inheritance tax*. Here's how.
Most people think IHT planning means giving everything away. It doesn't. It means building a legal, coordinated structure, trusts designed around your family, pension strategy aligned to your estate, and business assets protected correctly. Not one trick, one joined-up plan, delivered for one fixed fee with one dedicated adviser.

*Based on clients who fully implement the recommended planning.

07/08/2026

🇬🇧 There are three main types of trusts for inheritance tax planning. Choose the wrong one, and you've got a problem.

Charles de Lastic, Managing Director of Bluebond Group, breaks down three of the most common structures.
💡A discretionary trust lets you manage your own investments within it, something most financial advisers steer clients away from since it's how they make their money.
💡A flexible reversionary trust, offered by only around five providers, must be run by an investment professional because it's the trust that owns the assets, though you can withdraw capital and income from it annually.
💡A loan trust freezes your estate at the value you put in, so you can contribute up to £5 million (compared with £325,000 per person for the other two), with all future growth sitting outside your estate.

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