Deepak Pallan

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 began my journey in financial planning over a decade ago, starting out as a paraplanner where I developed a solid technical grounding and learned the importance of clear, client‑focused advice. After several years supporting advisers, I moved into a trainee adviser role and continued to grow through hands‑on client work, mentoring, and ongoing professional development.

For over five years, I’ve been a qualified Financial Planner, combining my technical expertise with practical experience to help clients feel informed, supported and confident about their long‑term financial plans. I take pride in offering advice that feels personal, thoughtful and easy to understand, and I’m committed to being someone clients can rely on at every stage of their journey.

Outside of work, I enjoy spending quality time with my family and experimenting with new recipes in the kitchen. Keeping fit and balanced is also important to me, and I regularly practise yoga and meditation to stay focused and energised. This mix of family time, creativity and wellbeing helps me bring a calm, positive approach to my work with clients.