Intergenerational wealth

Intergenerational wealth – a guide to your options

Inheritance Tax can be an unwelcomed stress for beneficiaries. Have you considered whether your assets are structured in a tax efficient manner?


Intergenerational wealth can be defined as the transfer of assets, from one generation to the next, to help financially support family members during their lifetimes. This is usually via inheritance or gifts. It is becoming an increasingly important topic as ‘the great wealth transfer’ begins. Despite global economic weakness, £5.5tn will pass between generations in the UK over the next 30 years. We are shifting towards an inheritance economy as more than a million adults are expected to receive an inheritance in any given year.

This will create a whole new generation of wealth, owned by individuals with different priorities, goals and challenges. Transferring wealth has become a popular feature of estate planning in recent years. More people are beginning to support younger generations of their family and charitable causes that they care about. Transferring wealth has its own set of issues and complexities. You must consider how these may affect you and your loved ones when deciding on the best approach for you and your wealth.

We have created an intergenerational wealth guide to help give an overview of the key aspects you should consider.

This guide will cover some of the reasons you may wish to transfer wealth as well as:

  • how you can go about this;
  • the items you will need to get in order to be able to transfer wealth effectively;
  • the issues you may encounter;
  • case studies to help illustrate particular scenarios; and
  • how a financial planner will be able to guide you throughout this process.


Read our guide for more information.

How can we help you?

If you would like to pass wealth to younger generations of your family, or want look at specific ways to structure your assets,  we can help. 

If you would like assistance with intergenerational wealth transfer or estate planning, or if you wish to arrange an initial no cost, no obligation, consultation, then please fill out the contact form below. Alternatively, you can call 01603 706 820 or email

Important information

This is solely for informational purposes and nothing in it is intended to constitute advice or a recommendation. You should not make any investment decisions based on this content.

The way tax charges (or tax relief, as appropriate) are applied depends on individual circumstances and may
be subject to future change. ISA and pension eligibility depend on individual circumstances. 

The value of investments can fall as well as rise and you may not get back the amount you originally invested. Do not invest unless you are prepared to lose all the money you invest. This is a high risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more about these products if they are of interest to you and please let us know if you would like to learn more.

While considerable care has been taken to ensure this information is accurate and up-to-date, no warranty is given as to its accuracy. This article constitutes a financial promotion.

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