Estate Planning in Wales
Welsh estates run the full spectrum — from urban professional estates in Cardiff and Swansea to deeply land-based farming families across Powys, Carmarthenshire and Gwynedd. The single common thread is that the IHT, APR and BPR rule changes between 2025 and 2027 affect every category. The planning that worked for the previous generation is, for many Welsh families, no longer the planning that fits.
Why Welsh estates need a fresh look
April 2025 ends the FHL regime. April 2026 caps APR and BPR. April 2027 brings pensions inside the estate. No other three-year window in modern UK estate planning has carried this much rule change at once.
For Welsh farming families, the £1m APR cap from April 2026 is the largest single change in agricultural inheritance tax in forty years. A 200-acre Powys farm with farmhouse and machinery routinely values well past the cap. The IHT exposure created is real, payable in cash, and almost always lands on the next generation.
For urban Welsh professional families — particularly across Cardiff, Penarth, Swansea and the Vale — the 2027 pension change rewrites a decade of advice. Pensions deliberately preserved as inheritance vehicles are now actively in the wrong tax treatment.
For coastal and rural property owners holding self-catering accommodation, the April 2025 FHL change removes favourable treatment and potentially BPR protection. Many existing structures need a rebuild before the rules bite.
Welsh farming and the APR cap
Most working Welsh farms exceed the new £1m relief cap. We work with farming families on lifetime gifting structures, life cover written in trust, and — where appropriate — restructuring to separate trading from investment land before April 2026.
Cardiff and the urban professional estate
Cardiff, Penarth and Vale of Glamorgan property values combined with mature pensions create estates that are well into IHT territory. The work is mostly pension drawdown sequencing, Property Trusts in the will, and lifetime gifting to use the £3,000 annual exemption and surplus-income gifting routes.
Welsh-language and bilingual estates
We are happy to coordinate with Welsh-language solicitors where appropriate and to ensure your final documentation reflects the family and the language environment you actually live in.
Where we typically come in
Inheritance Tax Planning
Built around the 2025 FHL change, 2026 APR/BPR cap and 2027 pension change. For Welsh estates, this trio is the planning question of the decade.
Read more →Property Trusts
Ring-fence the family home or farmhouse against care fees and against passing outright to a surviving spouse.
Read more →Wills
Including life-interest trusts for blended families, business and farm succession provisions, and clauses for beneficiaries living outside Wales.
Read more →Living Trusts
Hold land, a business interest or investment portfolio outside the probate process and on terms you set.
Read more →What we'd actually do for you
First call is free. We map your assets — land, business, pensions, property, savings — model the IHT under both current and post-2027 rules, and identify what matters most. We coordinate with farm accountants, land agents, Welsh-language solicitors and specialist counsel where the work needs it. The estate planning sits at the centre.
Complete the Discovery first - then we'll book your free 30-minute consultation.
Common questions from clients in Wales
We farm in Wales — does the APR cap really change things?
If your qualifying agricultural and business assets together exceed £1m at death, yes. Almost every working Welsh farm crosses that line. The first £1m retains full relief; everything above is reduced to 50%, creating a real 20% IHT charge on the excess.
Do you cover both North and South Wales?
Yes. Most Welsh clients are seen by video call, with the occasional in-person meeting where needed.
Do I need to come to your office to work with you?
No. We work nationally — and increasingly internationally. Most of our clients in Wales are seen by video call, with documents signed remotely or couriered when wet signatures are needed. The advice is the same. The convenience is yours.
Is Sean Kiani regulated?
Sean Kiani is a member of the Society of Will Writers and holds full Professional Indemnity Insurance. Estate planning is unregulated in the UK — which is precisely why credentials, supervision and indemnity matter.
What does a first conversation cost?
Nothing. A first call is free, confidential, and exists for one purpose: to find out whether your current arrangements still do what you think they do. If they do, we'll tell you. If they don't, you'll know exactly what's exposed and what to do about it.
Other UK areas we serve
Your 30 minutes. Simple. Yours.
No-obligation.
The path is simple: complete the Discovery first so we walk into the call already knowing the facts. Then in 30 focused minutes, I listen, answer your questions, and you choose if you'd like us to draw up your Inheritance Plan.
1. Start Your Discovery
Required first step. Complete the confidential financial position review so your no-obligation 30-minute consultation starts with the facts, not the basics.
2. Request a Callback
Prefer to speak first? Leave your details and we'll call you back to talk through the Discovery before you complete it.
You choose the date, time, and format - phone or online. Bring anyone you'd like.