The government's recent announcements on Inheritance Tax (IHT) represent the most significant shift in estate planning rules in decades. While the headlines focus on tighter relief limits, the real story is deeper - these changes reshape how wealth will be taxed, transferred, and protected in the years ahead.

Traditional estate planning tools - trusts, direct gifts, and simple wills - still have their place. These methods can be limiting for high-net-worth families and business owners who have significant investment portfolios, multiple properties, or retained profits.