Most successful families unknowingly operate in a forced partnership with the state. Whether it is your business, your property portfolio, or your pension, HMRC effectively holds a 40% stake in your life’s work. In this inaugural briefing, Riz Malik introduces the core philosophy of The 40% Club: viewing Inheritance Tax (IHT) not as an inevitability, but as a minority shareholding that requires a proactive "buyout" strategy.

Key Strategic Briefings

• The 40% Partnership: Why your most valuable assets are currently co-owned by the revenue.
• Beyond the Basics: Moving past simple gifting into advanced legacy architecture.
• The Liquidity Gap: Identifying the risk of heirs being forced to liquidate family assets to settle tax liabilities.
• Control vs. Compliance: How to regain authority over your estate while navigating complex UK tax rules.

About the Host

Riz Malik is an Independent Financial Adviser at R3 Wealth. When not providing expert market commentary for national news outlets, Riz works with high-net-worth Doctors, Business Owners, and Property Investors to protect their legacies from unnecessary tax erosion.

Disclaimer: Tax rules are complex, subject to change, and any benefits depend on your individual circumstances. This podcast is for informational and educational purposes only and does not constitute personal financial advice. Investments can rise and fall in value, and you may get back less than you invested. Always seek professional advice before making significant financial decisions.