From first conversation to completion in 6-8 weeks

One fee. One point of contact. We handle the solicitors, the trusts, the articles of association, and the Companies House filings. You just need to show up for a couple of conversations.

If you've been thinking about IHT planning but keep putting it off because it feels complicated, this page is for you. We've laid out exactly what happens, week by week, so you know what to expect before you even pick up the phone.

The short version: we do the heavy lifting. You stay in control. And nothing changes with your properties, your tenants, or your day-to-day management.

What happens, step by step

Every restructuring is slightly different, but here's the typical journey from start to finish.

1
Week 1

Free consultation

We start with a 30-minute conversation — usually over the phone or video call. We'll ask about your property company, how it's structured, roughly what it's worth, and your family situation.

By the end of this call, we'll be able to tell you whether restructuring makes sense for you, and give you a rough idea of the potential IHT saving. No commitment, no pressure. If it's not right for you, we'll tell you.

2
Week 2

Detailed assessment

If you'd like to proceed, we gather the details: company accounts, property valuations, mortgage statements, your current articles of association, and your family structure.

We then build a detailed model showing:

  • Your current IHT exposure — the bill your family would face today
  • The restructured position — what the bill looks like after restructuring
  • The saving — shown as a range depending on the discount level

You'll receive a clear written report. No jargon, just the numbers.

3
Weeks 2-3

Planning and recommendations

We sit down with you (in person or on a call) and walk through the options. This is where we agree the approach:

  • How many new share classes to create, and what rights each class carries
  • Which family members will become shareholders
  • Whether trusts are needed (usually for children under 18)
  • The target shareholding structure
  • Whether any insurance is needed to cover the 7-year transfer period

We also give you your fixed fee quote at this point — before you commit to anything.

4
Weeks 3-5

Legal work

This is where we do the heavy lifting. We instruct our solicitors and they get to work:

  • Drafting new articles of association with the agreed share classes and restrictions
  • Preparing trust deeds (if trusts are being used)
  • Drafting shareholder agreements where needed
  • Preparing the board resolutions and shareholder resolutions

You'll review and approve everything before it's finalised. We're your point of contact throughout — you don't deal with the solicitors directly unless you want to.

5
Weeks 5-7

Implementation

Once everything's approved, we execute the restructuring:

  • New share classes are created
  • Shares are allotted or transferred to family members and/or trusts
  • Trust deeds are signed and dated
  • The company's share register is updated
  • Companies House filings are submitted
  • New share certificates are issued

Throughout this process, nothing changes with your properties. Your tenants, your letting agent, your mortgage lender, your accountant — they all carry on exactly as before.

Week 7-8

Completion

You receive a completion pack containing all the legal documents, the updated articles of association, share certificates, and trust deeds. We also provide:

  • A summary of the new shareholding structure
  • A note for your accountant explaining what's changed
  • Guidance on the 7-year rule and what to keep track of
  • Recommendations for any insurance cover needed

That's it. The restructuring is done. Your IHT exposure has been reduced. And you didn't have to manage a single solicitor, draft a single document, or fill in a single Companies House form.

What changes and what stays the same

This is the question everyone asks. The honest answer: very little changes in your daily life.

What changes

  • The company's share register — new shareholders are added
  • The articles of association — updated with new share classes and restrictions
  • Companies House records — reflects the new share structure
  • Your IHT exposure — significantly reduced
  • Your estate value — lower, because shares have been transferred or discounted

What stays the same

  • You remain a director of the company
  • You manage the properties exactly as before
  • Your letting agent stays the same
  • Your tenants notice nothing
  • Your accountant does the same accounts
  • Your bank accounts don't change
  • Your mortgage lender is unaffected
  • Your rental income continues as normal

One fee. Everything included.

We don't charge by the hour. You get a single fixed fee, quoted upfront, covering the entire restructuring.

£

Fixed fee

Quoted before you commit. No hourly billing, no surprise invoices, no scope creep. The fee covers our advisory work and the solicitors' legal work.

One-off cost

You pay once for the restructuring. There are no ongoing annual charges, no percentage of assets, no management fees. The saving is yours to keep.

%

Small fraction of the saving

The fee typically represents 3-6% of the total IHT saving. For most clients, the restructuring pays for itself many times over.

Ready to find out what you could save?

The first step is a free, no-obligation consultation. We'll look at your situation and tell you honestly whether restructuring makes sense for you.

Book a Free Consultation

30-minute call. No commitment. Completely confidential.