Daniel Hughes

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.

Growing up on a farm in West Wales taught me the importance of hard work and community - values that continue to shape both my professional and personal life. With several years of experience as a futures trader in the financial markets, I discovered my true passion lies in helping people directly with their finances. Now, as a fully qualified Financial Adviser holding a Diploma in Regulated Financial Advice and proud member of the Chartered Insurance Institute (CII), I combine industry insight with practical knowledge to serve my clients.

I'm a passionate believer that everyone deserves peace of mind about their financial future. By taking time to fully understand your situation and goals, we can get to the heart of what really matters to you. Whether you're looking to simplify pension and retirement planning, ensure your money works harder through smart investments, maximize tax breaks and allowances, or build long-term financial security, I provide clear and supportive guidance every step of the way.

Outside of work, I stay active through rugby, golf, CrossFit, and walks along the Pembrokeshire coastal path with my girlfriend Holly and our dog, Pippa. Whether I'm supporting hardworking people like you, or enjoying a pint down the local pub, building genuine connections is at the heart of what I do.

Together, we can simplify your finances and put robust plans in place to secure your future, letting you focus on what you do best.

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