Bluebond

18/06/2026

Estate planning during divorce:most people don't realise the window between separation and final order can run 12 to 24 months. The decisions made in that period shape your estate for the next 20 years.

Here's what you need to know:
▪Section 18A of the Wills Act 1837 only triggers on the final divorce order — your spouse still inherits under your existing will until that date
▪You can write a new will at any time during proceedings without your spouse's consent or court approval
▪The inheritance tax spouse exemption under Section 18 IHTA 1984 applies until the marriage legally ends
▪Pension and life insurance beneficiary nominations are not revoked by divorce and must be updated separately
▪Joint tenancies pass by survivorship until severed by written notice, regardless of divorce status

Read the full article here 👇

https://www.bluebond.co.uk/our-resources/articles/estate-planning-during-divorce-before-settlement/

17/06/2026

🇬🇧 Most people receive financial advice from several professionals working independently: an accountant, a tax adviser, a solicitor, a wealth manager. The problem? They're rarely coordinating with each other.
One adviser may solve a problem today and inadvertently create one elsewhere tomorrow.

A family wealth office acts as a financial director for your family — integrating every area into one joined-up strategy:
🔹 Tax and financial planning
🔹 Inheritance tax and estate planning
🔹 Trusts and business succession
🔹 Investment management
🔹 Asset protection

Every decision aligned to one objective. The complete picture, not individual products in isolation.

📩 Find out how Bluebond's family wealth office works for you: https://www.bluebond.co.uk

17/06/2026

12/06/2026

🇬🇧 Why Your Will Does NOT Save Any Inheritance Tax (And What Actually Works)
Most solicitors writing your will are lawyers — not tax advisers. That single distinction could cost your family hundreds of thousands of pounds in Inheritance Tax.

📌 In this video Charles explains:
— Why a legally valid will is NOT the same as a tax-efficient one
— How a standard will increases the surviving spouse's estate and the IHT bill
— Why effective IHT planning must start during your lifetime — not in your will
— How setting up wills and trusts together changes everything
— Why assets going into trust on first death stops compounding in the estate
— Why the difference between a standard will and a structured plan can be hundreds of thousands of pounds

🎬 Watch now, link in comments.

12/06/2026

🇬🇧 Get ahead of the 2027 changes that will pull pension funds into Inheritance Tax.

Join Charles de Lastic this Saturday for a free 2-hour live webinar and find out how to legally cut your tax bill, protect your pension, and keep more of what you've built.

🎁 Attend this June and get the Bluebond Wealth Plan for £297 instead of £797 — saving you £500.

Free to attend. Live Q&A included. This Saturday at 8:30 AM GMT 👇
https://www.bluebond.co.uk/pension-tax-webinar-offer/

11/06/2026

Your ISA is an Inheritance Tax trap.

Your ISA is completely exposed to 40% Inheritance Tax when you die - and most people find out too late. Here's how to legally fix it.

In this video, Charles covers:
▪Why your ISA offers zero protection from Inheritance Tax
▪How HMRC can legally take 40% of your ISA when you die
▪ How IHT-advantaged investments work and what returns to expect
▪ How to move your ISA without losing growth

10/06/2026

🇬🇧From 6 April 2027, most unused pension funds and pension death benefits will form part of your estate for inheritance tax.

Key take aways from this article:

▪From 6 April 2027, unused pension funds count toward your estate and may attract inheritance tax at 40%.

▪Pensions left to a spouse or civil partner remain exempt from inheritance tax under the spousal exemption.

▪For deaths after age 75, beneficiaries can face inheritance tax on the pot plus income tax on withdrawals, a combined effective rate of up to 67%.

▪Death-in-service benefits paid by registered pension schemes will remain outside the inheritance tax estate after April 2027.

🔗Read the whole article: https://www.bluebond.co.uk/our-resources/articles/pension-inheritance-tax-2027-checklist/

👉April 2027 changes the structure of UK retirement and estate planning, not the underlying principles. The right plan depends on your full estate and family circumstances. You should engage with a firm that can give you financial planning, tax advice, legal advice and accountancy advice all from one firm with no conflicts of interest.

Bluebond is one of those very rare companies that is able to apply all of this advice in one place. If you need any help or advice in this complex area please contact us. We will help you mitigate your inheritance tax.

05/06/2026

19 out of 20 Bluebond clients legitimately pay £0 inheritance tax

Join our free live IHT webinar with Charles de Lastic and learn the legal strategies UK families use to reduce or eliminate inheritance tax.

When:
Saturday June 6 - 8:30 GMT

What you’ll learn:
✔️How you reduce or eliminate inheritance tax legally
✔️What most families get wrong and how you avoid it
✔️Which strategies actually work in real situations

✨ Attend the webinar and get your IHT plan for £297 instead of £797.

Registers now: https://www.bluebond.co.uk/iht-webinar-offer/?utm_source=facebook&utm_medium=organic_social&utm_campaign=webinar_iht_lp

04/06/2026

🇬🇧 Why the £175,000 Residence Nil Rate Band Disappears for Estates Over £2 Million?

The residence nil rate band tapers by £1 for every £2 your net estate exceeds £2 million, and disappears entirely at £2,350,000 for an individual or £2,700,000 for a couple.

The key takeaways in this article:

▪️The £175,000 residence nil rate band applies when a qualifying home passes to direct descendants on death.
▪️For every £2 your net estate exceeds £2 million, the RNRB reduces by £1, falling to zero at £2,350,000 for an individual.
▪️A couple loses both RNRBs entirely once the combined estate on the second death reaches £2,700,000.
▪️Inside the taper range the effective inheritance tax rate is 60%, not the headline 40%.
▪️The £2 million threshold is frozen until April 2031, so more estates will breach it each year.

Read the full article here: https://www.bluebond.co.uk/our-resources/articles/residence-nil-rate-band-taper-2-million/

28/05/2026

Adding to Your Trust Can Cost You Thousands in Tax 🇬🇧
You can add money to a trust without restarting the seven-year clock. But should you? Normally, no.

Each addition is a separate transfer that cumulates against your £325,000 nil-rate band. Go over, and you trigger a 20% immediate tax charge.

Even worse: the 14-year rule can pull older additions back into your tax calculation. Poor timing = tens of thousands lost.

Want to know the rules before you top up your trust?
Read our full article here:https://www.bluebond.co.uk/our-resources/articles/add-money-existing-trust-seven-year-clock/