Greig Tonks

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 played rugby professionally for 12 years, I’ve seen first hand the value of financial advice, as well as the impact of no advice at all. I aim to simplify complex information and deliver a clear and concise solution for my clients.

My approach:

1. Explore – It’s all about you. Your family, your circumstances.
2. Financial review meeting – Explore your aims and objectives. Understand current arrangements and build a clear picture of your financial future.
3. Recommendation – Present a solution. Once implemented, the key is to monitor regularly and make sure you remain on track to reach your goals.

Outside of work, you might find me exploring the Dorset coast with my family, coaching at my local rugby club or if I’m lucky, on the golf course.