Static concept prototype · Fictional data · No live uploads, bank connection, calculations, approvals or HMRC submission
The way advisers evidence gifts out of income

Exempt is
a promise.
Evidenced is a fact.

Your clients already give from surplus income — house deposits, school fees, help when it matters. Whether HMRC honours those gifts is decided years from now, by people who weren’t in the room, from records nobody kept. Heritance is how advisers make sure the records exist.

Explore the IFA portal → Why advisers use it
Prototype experience Fictional demonstration data Not financial or tax advice
HeritanceGifting evidence pack
Illustrative household

Margaret Hughes

Gifts out of surplus income · s.21 IHTA 1984
Tax years 2020/21 – 2026/27

  • ✓Seven years reconciled, reviewed and sealed
  • ✓Every figure linked to its source document
  • ✓Each year approved by a named adviser
  • ✓Ready on the day her family needs it

“Every gift. Every year.
Evidence that lasts.”

Not a gift recommendation.Heritance evidences the history. The adviser owns the advice.
40% — or 0%The gap between a gift that qualifies and one that can be proven to.
April 2027Pensions join the estate. Gifting from income becomes everyday advice.
Ten secondsHow long a finished pack takes to understand. It is the demo.
ZeroGift recommendations Heritance will ever make. The advice stays yours.
The problem with the finest exemption

The claim is made after death, by someone who wasn’t there.

Gifts out of surplus income are unlimited and immediately exempt — if the pattern and the surplus can be shown. HMRC never asks the donor. It asks whoever is left, for records nobody thought to keep.

An afternoon in2026

The gift

Margaret gives her granddaughter £14,000 towards a first flat. Advised by you, comfortably affordable from income, and exactly what she wanted her money to do.

An afternoon in2033

The questions

Her son — grieving, an executor overnight — is asked to reconstruct seven years of his mother’s income and spending. The statements are gone, the accounts are closed, and nobody can ask her what anything was for. The claim shrinks. The family pays 40% on generosity that qualified.

The differenceNow

Ten minutes, not seven years

With Heritance, the second afternoon barely happens. The evidence pack is already on your file — built one annual review at a time, while it was easy, by the person who knew her finances best. You.

For your firm

Not another piece of software. A new service line.

Heritance turns the gifting conversation you already have into a service clients can see, value and gladly pay for.

01

Charge for the review you already do

Every annual review now produces something the client can hold: another sealed year of proof. Visible value, compounding year after year — the easiest fee conversation you will ever have.

02

Keep the family, not just the client

The record you hold is the record their children will one day need. You meet the next generation as the keeper of their parents’ story — long before the estate ever moves.

03

Own gifting before it goes mainstream

From April 2027, pensions sit inside the estate and gifting from income stops being niche advice. The advisers with a process — and a pack to show for it — will take that ground first.

04

Built to be inspected

Every figure source-linked, every judgement logged, every year sealed under a named adviser’s approval. It reads the way a file reviewer wants it to read — because that is exactly what it is for.

For the family

What the family gets is simple. More of what was meant for them.

No shoebox archaeology. No forensic questions at the worst possible time. A pattern of generosity honoured the way it was intended — with the proof already written.

How it works

Four quiet steps a year. That’s the whole ask.

Designed around the review meeting you already hold — for clients who connect a bank account and for clients who prefer paper.

1

Invite

Send a branded, plain-English invitation from your firm.

2

Gather

Clients connect an account or post the paperwork. Both are first class.

3

Resolve

You judge the handful of items that genuinely need a human.

4

Seal

Approve the year. The pack — and your proof — grows by itself.

See it working

Two minutes in the demo beats any brochure.

A working prototype built around one fictional household — one workspace for you, one for your client.

IFA workspace

Your whole gifting book, ready for inspection.

Every client, every exception, every approval — and the evidence pack one click away.

Open IFA prototype →
MH
Margaret Hughes
2026/27 · 4 items to review
Review
DW
David Walker
2025/26 · ready to approve
Ready
SK
Sheila Khan
Waiting for statements
Waiting
Client workspace

A gentle checklist, not another dashboard.

Older donors see what is needed, why it matters and who will review it. They are never shown a number dressed up as advice.

Open client prototype →
✓
Bank statements received
Barclays current account · 12 months
Complete
↥
Upload your P60
Used to reconcile gross income
Needed
✎
Review your intention
Draft prepared by your adviser
Review
What advisers would say · illustrative

The pack does the selling. The advisers do the talking.

Concept-stage voices, written to show how the finished product earns its place in a firm. No real users yet — that’s the point of this prototype.

I put one finished pack on the table at an annual review. The client’s son — the executor one day — asked if we could start his straight away.
James WhitfieldPrincipal, Whitfield Wealth · illustrative
Gifting used to be the conversation I put off — hard to evidence, harder to charge for. Now it’s the most visible thing we do all year.
Priya NairChartered Financial Planner · illustrative
Our file reviewer’s exact words: “I wish every gifting file in this firm looked like this one.”
Elaine MossCompliance Director · illustrative
Simple pricing

Priced per client.
Paid for by one saved claim.

One plan, everything included. A single failed s.21 claim can cost a family more in tax than a lifetime of subscriptions — the arithmetic does its own persuading.

  • Unlimited adviser and paraplanner seats
  • Every household’s evidence pack included
  • Assisted paper journeys included — no client left out
  • Add or remove clients any month
Indicative founding price
£10per client
per month

Billed to the firm. Subject to validation with founding advisers — this figure is a working assumption, not an offer.

Open the demo instead
A deliberate boundary

It will never become the adviser. That’s a feature.

Heritance evidences reviewed history. It never tells your client what they can gift — the advice, the judgement and the relationship stay exactly where they belong. With you.

See the review workspace →
✓
Evidenced historic surplus

A reviewed fact, with every source and adjustment visible.

✓
Adviser-entered scenario

Clearly labelled and kept separate from completed gifts.

✓
Visible human approval

Who reviewed, what changed and when it was sealed.

×
Never “you can gift £X”

The recommendation stays with the regulated adviser.

Working experience prototype

Be the adviser who was ready.

Explore the connected demonstration portals. Fictional data — nothing is saved, connected or published.

View IFA portal → View client journey