Alina Khan

Rising intergenerational wealth transfers and upcoming inheritance tax changes are pushing families to consider gifting, which can reduce estate tax if donors survive seven years. Many remain hesitant, worried about losing access to savings, future care costs and long‑term financial security, with advisers noting that caution sometimes prevents tax‑efficient planning. A case study shows how gifting can leave donors financially vulnerable. Experts advise detailed spending analysis, cash‑flow modelling and, where necessary, use of annuities or trusts to balance tax efficiency with financial stability.