Geoff Croden

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 specialise in investments, pensions, estate planning and underpinning customer's needs and objectives with appropriate protection, with a particular focus on inheritance tax mitigation and pension advice. My career spans leading institutions including HSBC, Abbey National, and Bristol & West, as well as boutique firms like A J Gallagher, Citrus Financial and Shackleton Consultants, and I continue to serve a loyal portfolio of clients across London, Kent and Surrey.

What sets me apart is my ability to make financial advice simple and actionable. I believe the best plans start with understanding what truly matters to each client—then building a flexible, goal-driven strategy that evolves with life’s changes.

Whether meeting face-to-face or remotely, my approach is always personal, professional, and proactive.

Outside of work, I’m a proud husband, father, and grandfather. I enjoy theatre, live music, and cheering on rugby union at Twickenham and Murrayfield (my wife’s Scottish roots make the latter a family favourite).