Pentins Financial Planners Ltd

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Chartered Financial Planners in Canterbury, helping individuals, families, business owners and trustees with retirement, pensions, investments, trusts and estate planning - with clear, personal advice you can trust.

When people think about gifting, they often focus on one question: Will this reduce inheritance tax? But in practice, th...
09/06/2026

When people think about gifting, they often focus on one question:

Will this reduce inheritance tax?

But in practice, the bigger questions are often much more personal:

How much can we afford to give away?

Will we still feel financially secure later in life?

How do we keep things fair between children or grandchildren?

Are we comfortable giving money outright, or would we prefer more structure?

So yes, gifting can be a very useful inheritance tax planning tool.

But the right gifting strategy is rarely just about tax. It is about family, affordability, timing and peace of mind.

That is why these decisions are usually best made as part of a wider financial plan, rather than in isolation.

If you would like to get clearer on what may be sensible in your circumstances, you can start with our online inheritance tax check-up.

Take the check-up here: https://pentinsfp.co.uk/inheritance-tax-check-up/

Inheritance tax language can make a straightforward issue sound more complicated than it needs to be. Two of the most im...
04/06/2026

Inheritance tax language can make a straightforward issue sound more complicated than it needs to be.

Two of the most important allowances are:

The nil-rate band
This is the amount you can usually pass on before inheritance tax applies. It is currently £325,000 per person.

The residence nil-rate band
This is an additional allowance of up to £175,000 per person, which can apply when your home is passed to a direct descendant.

In most cases, unused allowances can also be passed to a spouse or civil partner.

The important thing is not just knowing the names of the allowances. It is understanding how they apply to your circumstances and how much of your estate they may actually cover.

We have put together a short inheritance tax guide to help explain the basics in plain English.

Download the guide here:https://pentinsfp.co.uk/wp-content/uploads/2026/03/260202-Pentins-Inheritance-Tax-IHT-Guide.pdf

One of the most common questions people ask is: How much can I leave before inheritance tax becomes an issue? The answer...
27/05/2026

One of the most common questions people ask is:

How much can I leave before inheritance tax becomes an issue?

The answer depends on your circumstances, but there are allowances that can make a significant difference.

Currently, each person has a nil-rate band of £325,000. There is also an additional residence nil-rate band of £175,000 if you are leaving your home to a direct descendant, such as a child or grandchild.

For some couples, that can mean up to £1 million can potentially be passed on before inheritance tax is due, depending on how the estate is structured.

That is why inheritance tax planning should always start with the numbers, not assumptions.

If you want a clearer picture of whether inheritance tax may affect you, our online inheritance tax check-up is a useful first step.

Take our online inheritance tax check-up: https://pentinsfp.co.uk/inheritance-tax-check-up/

“Inheritance tax only affects the very wealthy” - true or false? “Inheritance tax only affects the very wealthy.” Not al...
19/05/2026

“Inheritance tax only affects the very wealthy” - true or false?

“Inheritance tax only affects the very wealthy.”

Not always.

Inheritance tax is based on the value of your estate when you die. That can include:

- your home
- savings
- investments
- personal possessions

and, from April 2027, most pension pots are also expected to be included.

So for some families, this becomes relevant sooner than they expect.

That does not mean everyone needs to take action immediately. But it does mean it is worth understanding whether inheritance tax may affect your family and what your options could be.

We have put together a short inheritance tax guide to help explain the basics in plain English.

Download the guide here:https://pentinsfp.co.uk/wp-content/uploads/2026/03/260202-Pentins-Inheritance-Tax-IHT-Guide.pdf

When inheritance tax comes up, people often jump straight to solutions. - Should we give money away? - Should we put ass...
12/05/2026

When inheritance tax comes up, people often jump straight to solutions.

- Should we give money away?
- Should we put assets into trust?
- Should we do something urgently?

But the first question should usually be much simpler:

Is there actually an inheritance tax problem to solve?

Good planning starts with understanding the size of the estate, the available allowances, and whether inheritance tax is likely to be due at all.

In some cases, there may be a meaningful issue to plan for. In others, the right answer may simply be to keep things under review rather than rush into action.

Clear financial planning starts with clarity, not panic.

Start with our online inheritance tax check-up: https://pentinsfp.co.uk/inheritance-tax-check-up/

Many people assume inheritance tax only becomes relevant if they have a very large estate. But for some families, the ma...
05/05/2026

Many people assume inheritance tax only becomes relevant if they have a very large estate.

But for some families, the main reason inheritance tax becomes an issue is much simpler than that:

-the family home.

For many people, their home is their most valuable asset. In some cases, even if there is not a huge amount of wealth elsewhere, property alone can push an estate into inheritance tax territory.

That is one reason inheritance tax planning is not just for the ultra-wealthy. It is often about understanding how your assets fit together and whether your family could face a tax bill later on.

A sensible first step is to get clear on whether inheritance tax may apply to you.

Take our online inheritance tax check-up: https://pentinsfp.co.uk/inheritance-tax-check-up/

Are you earning over £100,000 and feeling the impact of the “60% tax trap”?When income exceeds £100,000, the tax-free Pe...
30/04/2026

Are you earning over £100,000 and feeling the impact of the “60% tax trap”?

When income exceeds £100,000, the tax-free Personal Allowance starts to reduce - which can make pension planning particularly powerful.

In our latest article, we use an example of how a senior executive used pension salary sacrifice to reduce tax and put herself on track to boost retirement savings by over £200,000 over 10 years.

It’s a great example of how smart financial planning can help turn tax efficiency into greater freedom and choice for the future.

Read the full article here: https://pentinsfp.co.uk/pension-salary-sacrifice-uk-100k-tax-trap/

More families face inheritance tax than you might think - is yours one of them? Inheritance tax is often seen as somethi...
28/04/2026

More families face inheritance tax than you might think - is yours one of them?

Inheritance tax is often seen as something that only affects the very wealthy.

In reality, more families are being drawn into the conversation because inheritance tax is based on the value of your estate, including things like your home, savings, investments and other assets.

For many people, the first step is not to jump into solutions. It is simply to understand whether inheritance tax is likely to be an issue in the first place.

That is exactly why we created our online inheritance tax check-up. It is a simple way to start getting a clearer picture of where you stand.

If inheritance tax could affect your family, planning early can give you more options. If it is not currently an issue, that is useful to know too.

Take our online inheritance tax check-up: https://pentinsfp.co.uk/inheritance-tax-check-up/

We’ve got some big news at Pentins…We are now officially Corporate Chartered Financial Planners 🎉This isn’t something yo...
22/04/2026

We’ve got some big news at Pentins…
We are now officially Corporate Chartered Financial Planners 🎉

This isn’t something you apply for and just receive. It’s recognition of:
✔ The highest professional standards
✔ A commitment to ongoing learning
✔ A culture built around doing the right thing for clients

And honestly it’s taken a lot of work behind the scenes. Years of:
• Exams and qualifications
• Refining our advice process
• Strengthening governance and compliance
• Challenging ourselves to be better for our clients
Because for us, this was never about a badge. It’s about what it represents.

👉 When clients come to us, they’re trusting us with their future and Corporate Chartered status reinforces that they’re working with a firm that takes that responsibility seriously.

We’re proud of the team.
We’re proud of the journey.
But we’re even more excited about what this means for our clients going forward.

If you’re a business owner or individual thinking about what the next 5–10 years looks like, now’s a good time to start planning.

It's a question that's easy to put off, but really worth asking. “What would actually happen to our income if one of us ...
22/04/2026

It's a question that's easy to put off, but really worth asking.

“What would actually happen to our income if one of us wasn't here?”

Not a worst-case-scenario conversation. Just an honest, practical one. Because many couples who feel financially secure haven't ever looked at how their income would hold up for one person alone.

We've written something that might help start that conversation gently.

Read it here → https://pentinsfp.co.uk/what-happens-if-one-of-us-dies-financially/

Address

University Road
Canterbury
CT27FG

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441227931531

Website

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