Angus Stephens

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.

The NHS has been part of my life from a very early age. As a single parent, my mother often brought me to her work at the clinical skills lab at Whipps Cross Hospital, where I gained an early appreciation of the demands placed on hospital doctors.

When I entered financial services, I chose to join a firm that worked exclusively with hospital doctors. Over the years that followed, I supported around 100 NHS consultants and developed a detailed understanding of the financial challenges they face.

If you would value speaking to someone who understands your professional world as well as your NHS pension, I would be happy to have an initial conversation.