You've worked hard all your life to build your wealth, don't let the Taxman take part of your legacy

It's never an easy subject to contemplate. But without taking adequate steps, your loved ones could be left to pay 40% inheritance tax on your estate when you die – before they can inherit what you want them to have.

If the collective value of your estate – which includes property, cars, jewellery, savings and investments – is above a £325,000 threshold (if you're single or divorced) or £650,000 (if you're married, in a civil partnership or widowed), your loved ones could be liable to pay 40% Inheritance Tax on everything you own above it.

What's more, your beneficiaries may have to pay the Taxman before they receive a single penny from your estate – at a time when they are least able to cope.

If you believe you might have an Inheritance Tax liability (or, indeed, may do so in future, because your estate's value could increase over the next few years), it's strongly recommended you seek professional advice. NAHT Personal Financial Services offers a no-obligation Inheritance Tax planning service, where they can help you to determine if you have, or in future may have, a liability – before offering recommendations on ways you could reduce or, in some cases even, eliminate it.

The provider of NAHT Personal Financial Services – Skipton Financial Services (SFS) – has already helped thousands of people address their Inheritance Tax problem, saving their loved ones thousands of pounds. SFS will assess your individual circumstances before offering advice, so you can be confident it is suited to your needs and appetite to risk and reward.

Current Inheritance Tax thresholds have been frozen until at least 2015 – and then scheduled to rise by just 1%. So by seeking no-obligation advice from NAHT Personal Financial Services, you can make sure that you have suitable plans in place, in order to give you and your loved ones peace of mind.

Call 0800 012 1248 for more information about Inheritance Tax and for help assessing whether you might have an existing or potential future liability.