Cheryl Littler

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 a Financial Planning Consultant with a Level 4 Diploma in Regulated Financial Planning, and I am also a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW), having previously worked as an accountant. This background gives me a strong understanding of personal and business finances, and I use this experience to help clients make decisions that feel clear, manageable and aligned with their goals.

My approach to advice is simple: avoid jargon, keep things straightforward, and focus on what really matters to you. As your adviser, my role is to make the process feel easy and supportive, not overwhelming. I am especially passionate about cashflow planning, because it helps clients see their financial future in a clear, visual way. It turns long term decisions into something real and understandable, helping you feel confident about the steps ahead. I also care deeply about financial education, ensuring you always understand your choices and feel empowered rather than unsure.

When we work together, you can expect a friendly, down to earth experience where your goals come first. I will always explain things in a way that feels accessible and relevant, helping you picture the benefits and make decisions with confidence.

Whether you are planning for retirement, navigating investments, reviewing protection needs, or simply wanting to get organised and take control of your finances, my goal is always the same: to provide clear, practical, and supportive advice that genuinely improves their financial wellbeing. I can also provide stand alone or more integrated advice about mortgages, whether it is your first home, upgrading, or downsizing.

Outside of work, I enjoy spending time with my family and being part of the local Medway community, including a governor at my children’s primary school.

If you are looking for an adviser who values transparency, long term relationships, and empowering clients through knowledge, I would be delighted to help.