Claire McCafferty, PhD

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.

Do you ever feel like you’re constantly catching up, juggling a career or business, a mortgage, childcare or ageing parents, and you’re not sure your pension and investments are really on track? You’re not alone. I work with individuals, families and business owners who want a straightforward plan that fits real life. With a combined 20+ years in banking and education, I’m used to turning complex information into step-by-step decisions. My advice is plain-English and practical: together we’ll build a clear, actionable plan so you can live well today without worrying about tomorrow.

Outside of work I'm a mum to two active boys, aged 9 and 6, and a governor at the local FE college. I am a passionate advocate for inclusive and accessible education and financial advice. I believe that financial literacy and educational confidence are the foundations of both personal fulfilment and long-term success. My goal is always the same: give you the clarity and tools you need to take control of your future.