Track, plan and protect family wealth. From the first gift to the final estate.
Legacy Ledger is the estate management platform built for the UK's £5.5 trillion intergenerational wealth transfer. Compliance-grade records. Forward-looking planning. One integrated platform.
When someone dies, executors need seven years of gift records. Most families don't have them — records scattered across advisers, inboxes, and spreadsheets, with no single place anyone can look. Legacy Ledger gives families and their advisers the tools to give wisely, and the records to prove it.
A record high. Forecast to reach £14bn annually by 2030 as frozen thresholds and rising asset prices pull more families in every year.
The most common — and most avoidable — source of IHT exposure. (Barclays Smarter Succession)
Unused pension pots become IHT liable for the first time under Finance Act 2024, Schedule 9. Millions of estate plans need reviewing.
Compliance and planning. One integrated platform.
Record
Every gift in one place, logged, timestamped, and categorised. The record is always ready.
Report
IHT403 and Surplus Income packs generated at the click of a button. HMRC-ready, always.
Plan
Model gifting strategies and show clients the impact of decisions made today.
Surplus income exemption — automated.
Section 21 IHTA 1984 allows unlimited gifts from regular surplus income with no 7-year clock. It's one of the most powerful IHT exemptions available, and the hardest to evidence. Legacy Ledger builds the proof.
Engagement — built in.
Automated nudges flag when to reach out: a gift nearing seven years, an allowance lapsing, a review due. Periodic reviews become ongoing relationships.
IHT compliance is complex. We've done the hard work for you.
The rules are intricate. The evidence requirements are exacting. Legacy Ledger handles both.
7-Year PET Clock
Every gift tracked against its own 7-year timeline. You always know exactly where each gift sits.
Annual Exemptions
Annual, small gifts, and marriage exemptions, automatically tracked and applied. No allowance left unclaimed.
Schedule IHT403
Pre-populated from your verified gift record. Structured to HMRC's exact requirements. Ready to submit, not to reconstruct.
Audit Trail
Every entry timestamped and source-verified. A complete chain of evidence, ready for any level of HMRC scrutiny.
The right tool for every role across the wealth transfer.
One record. Shared with the right people at the right time.
Professional Adviser
Your compliance backbone. Your client engagement edge.
- Audit-ready gift record for every client, built continuously in the background
- HMRC-compliant reports at the click of a button — IHT403 and Surplus Income packs
- Forward simulations to show clients the real impact of their gifting strategy
Accountant & Solicitor
Verified records. No surprises at estate administration.
- Complete, evidenced gift history delivered at the point of need
- Surplus income evidence and IHT403-ready data — no reconstruction required
- Reduce the risk of incomplete records derailing estate administration
Wealth Owner
See your gifting strategy. Own the record. Leave no mess.
- See the real-time impact of your gifts on your IHT position
- Model assumptions — what if I give more? What if I give sooner?
- A record your family and advisers can rely on — built over time, not at the last minute
Beneficiary
Understand what you'll receive and where you stand.
- Track gifts received and understand their tax position
- See when gifts clear the 7-year clock — and what that means for you
- Know what's on record, so there are no surprises at inheritance
Built for the next generation.
Beneficiaries get their own portal, so the relationship with the next generation is built before the wealth transfers. Not after, the point at which firms most often lose it.
See it in action
Currently in private beta with a select group of design partners.
Dashboard
Family Network
The team
James Barham
35+ years of financial services leadership across asset management and institutional markets, most recently as Executive Chairman at Schroders Solutions.
Britt Hoffmann-Jones
20+ years across asset management, pensions, and wealth, most recently at Schroders. Saw the gifting compliance gap and decided to build the solution.
Des Matthewman
Engineering leadership across regulated financial services and B2B SaaS. Fractional CTO across multiple firms, co-founder of PORTABL.co, and a track record of taking products from concept to market.
Join the firms already building smarter estates.
We're onboarding our first pilot cohort. Tell us which describes you.
Pilot partner
For IFA firms, wealth managers, and advisory practices. We'll be in touch to set up a conversation.
Raising now
We're raising. Register your interest and we'll be in touch with more information.
Join the waitlist
We'll be opening direct access to wealth owners and their families. Register your interest and we'll be in touch when we're ready.