Victoria Ogden

Have you considered the importance of estate planning?

Many people don’t realise that inheritance tax (IHT) can apply once your estate goes over £325,000, although some people may also benefit from an additional residence nil rate band when passing on a home to direct descendants. This includes property, money, investments, and everyday belongings, and from April 2027, unused pension savings may also form part of your estate for inheritance tax. This can affect how much of your wealth is ultimately passed on to the people who matter most.

Estate planning helps ensure your wishes are followed and that as much of your estate as possible passes to the people you choose. However, the rules around inheritance tax can be complex and lots of people don’t understand how allowances apply or what their tax position will be.

That’s where I can help. I can help you to get a clear picture of the value of your taxable estate, explore ways to manage or reduce any tax liability and put a long-term plan in place that fits your goals and circumstances.

If you’d like to take control of your legacy, let’s talk about how I can support you.

I am dedicated to simplifying complex financial concepts and industry jargon, and my enthusiastic and friendly approach ensures clients feel supported and understood throughout the planning process.

Whether it’s planning for retirement, looking at protection needs, or applying for a mortgage, my holistic approach to advice ensures I not only address immediate challenges, but also establish a solid foundation for long-term financial stability and success.

Away from work, I enjoy spending time with family, friends and walks with my dog, Lottie.