Billy King

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 hold the CII Diploma in regulated financial planning (DipPFS) and continue to follow a structured programme of professional development, keeping my knowledge up to date and advice aligned with current standards and best practice.

Outside of work, I enjoy keeping active and spending time outdoors. In my previous career I played football professionally and I still play part-time now - although I’m not sure how much longer my body will allow it. I also play golf regularly, but seem to be getting worse somehow, and I enjoy sea swimming too - mainly to numb the pain in my legs after football.

I want to help people navigate the complexity of the financial world and make things easier to understand, so whatever your query - no matter how big or small - feel free to get in touch for a chat.