Muslim Money Talk How The 40% Inheritance Tax Is Destroying Muslim Families (And How to Manage It) | MMT EP 60 - Ruzwan Boota
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Sep 25, 2025 
In this engaging discussion, Ruzwan Boota, a chartered tax advisor and director at iWills, explores the complexities of inheritance tax that threaten Muslim families in the UK. He shares eye-opening case studies, illustrating the chaos that ensues from poor succession planning. Ruzwan emphasizes the importance of Sharia-compliant wills to prevent family disputes and protect wealth. Listeners learn about the looming changes in inheritance tax laws, the necessity for trusts, and the urgent steps families should take to safeguard their legacies.
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Delay Led To Family Breakdown
- Ruzwan Boota described a successful businessman who delayed restructuring and died leaving no will, creating family infighting and a huge inheritance tax problem.
- The estate remains unresolved years later with penalties mounting and relationships destroyed.
Use Wills, Wasiyah And Trusts Correctly
- Create a will and use the allowed one-third wasiyah to bequeath to non-inheritors or charity while respecting fixed Sharia shares for heirs.
- Use trusts to protect immature or irresponsible beneficiaries and define guardianship for minors in the will.
Get A Will To Preserve Family Unity
- Don't leave assets intestate; get a will to prevent disputes and protect family unity.
- A Sharia-compliant will brings clarity and barakah, reducing the risk of infighting after death.