Cyrus Fateh

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.

Before joining Quilter, I spent seven years in the financial services industry, building extensive experience in client relationship management and specialist finance. Having experienced the importance of financial planning within my own family, I was inspired to pursue a career helping others prepare for the future.

I hold an MBA from Cardiff Business School, the Level 4 Investment Advice Diploma from the Chartered Institute for Securities & Investment (CISI), and have passed Levels I and II of the CFA Program.

I advise clients on:

• Helping you achieve the retirement you've worked hard for.
• Protecting you and your family against life's unexpected events.
• Making the most of your wealth through tax-efficient financial planning.

Outside of work, I enjoy skiing in the French Alps, sailing in Cornwall and spending time with my family. Whether walking in the Cotswolds or exploring the Lake District, I value the balance between planning for the future and enjoying the present.