Cameron Ritchie

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 strongly believe that financial advice should be available to all that need it and as such want to help anybody that’s looking for guidance or advice. I try to make the complexity of personal finance as easy to engage with as possible.

Using my years of experience in financial services to simplify an often complicated subject, I work with my clients to identify their goals and plan for their realisation.

I put great stock in long term relationships and grow with my clients as their circumstances, goals, and needs change, adapting as we work in tandem.

Away from finance, I’m a husband and father, football coach, keen but terrible golfer and a supporter of many local businesses and activities.