Gifts, trusts, reliefs and pensions on the client's own figures, with inheritance tax worked out at every possible death. Change a number and the family's inheritance moves while the client watches.
Figures for illustration only. In Meridian they come from your client's own plan.
Each one edits a real record in the plan, so the cashflow, the estate and the inheritance tax all move together. No separate module, no export to a spreadsheet, no second tool.
Potentially exempt transfers with taper relief and annual exemptions, and each gift's clock shown year by year until it falls out of the estate.
The lifetime charge on the way in, the 10-year charge, and the 14-year look-back applied automatically, with the trust fund growing alongside the plan.
Fixed withdrawals for life that feed straight into the cashflow, the discount outside the estate from day one, and a warning if the fund would run dry.
The loan stays in the estate and repayable, while every pound of growth sits outside it - with repayments coming back into the client's income.
Gifts out of surplus income, exempt as they are made and paid from the plan's own cashflow, so the client sees exactly what they can afford to give.
Leave money to children or a trust on the first death, and see what it does to the survivor's plan and the tax on the second.
The £2.5m 100% band, transferable between spouses, 50% above it, AIM shares at 50%, and the two-year holding rule checked for you.
Upfront income tax relief, capped at what the investor actually pays each tax year, and Business Relief on EIS shares once they qualify.
Modelled either side of 6 April 2027, so the client sees what the change costs their family.
Drop in a Fact Find and Meridian reads the gifts, trusts and reliefs straight into the plan - flagging anything it had to assume before it lands.
Nobody picks “PET” or “CLT” from a dropdown. Choose what the client wants to achieve, and Meridian applies the treatment, the clocks and the charges behind it - live, as you type.
Screens show an illustrative plan from Meridian Pro.
The same AI intake that builds the cashflow now reads the estate planning too. It never guesses quietly: anything it had to assume is flagged for you to confirm, and nothing is saved until you approve it.
Estate planning is where a wrong number does real damage, so the estate engine carries its own dedicated test suites on top of the checks across the rest of Meridian.
Across Meridian: automated tests and 350,000+ plan projections run on every change, including hand-worked cases for gifts, trusts and reliefs checked against HMRC's published rules.
Current law built in: the 100% Business and Agricultural Relief band, pensions entering the estate from April 2027, and VCT relief at 20% from April 2026.
Black boxes. Every figure traces to an assumption you can see and change. See how Meridian calculates.
Pro includes everything in Standard, with the complete UK estate planning toolkit on top.
Pro's estate planning applies UK inheritance tax rules, so it lives on UK plans. International plans work exactly as they do on Standard, with the full multi-currency and multi-jurisdiction engine.
It covers the tools UK advisers use day to day - gifts, discretionary trusts, discounted gift trusts, loan trusts and the main reliefs - inside a chart that recalculates as you type. Bring a case you have already run elsewhere to a demo and we will build it in front of you.
No. Documents are processed in memory and never stored, and client data is never used to train any AI model. That is a contractual commitment in our Data Processing Agreement.
$150 per adviser, per month. A month to prove it, or one email refunds you in full.
