Andrzej Pawlaczyk

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.

Money is rarely just about numbers - it’s often about life’s most important decisions. My role is to help make those choices clearer, calmer, and more confident for you. Good financial planning starts with understanding the person behind the numbers. I take time to listen and explore what matters most to you - your values, motivations, and relationship with money. This helps you gain clarity and feel more in control of the decisions that shape your future.

I guide clients through milestones that matter most, as well as more complex transitions such as divorce, inheritance planning, and other significant life changes, helping them navigate uncertainty with empathy and care. Every plan we build together is practical, flexible, and tailored to your unique needs - helping your money work for the life you want and giving you peace of mind for the future.

When I’m not planning for the future, I’m co-parenting my two brilliant kids, flying gliders, riding motorcycles, or tackling a marathon (once was enough, thanks!). I meditate too - mostly to survive raising a teenager.