Evangeline O’Keefe

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.

Having had a lifetime of bad events thrust upon me before I was 27 years old, I have first hand experience knowing that every financial situation is different, and each family has complex needs. However, with the right advice and support, ‘bad’ life events don’t have to turn your life upside-down. This is why I advocate so strongly for holistic and well-rounded advice for your whole family.

I work with my clients to ensure they feel financially secure as well as financially ambitious - it is my job to help you build wealth for yourself, your children, and even grandchildren without sacrificing on a lifestyle you have built and love. Whilst I work with detailed calculations, I like to focus on the personal impacts and stories behind the numbers when working with my clients so they can truly envision and build their dream life.

Sometimes it is hard to seek financial support if you feel you may be judged or not supported as well as you need. As your adviser I will always ensure that you feel heard and supported and that my advice meets all of your needs, no matter how weird or wonderful you may think they are.