Hadley O’Connor

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.

Specialising in holistic planning, I meticulously tailor comprehensive solutions that encompass protection, income protection, investments, pensions and retirement planning, and general insurance.

I’m dedicated to understanding the unique circumstances and goals of each client, ensuring that my advice is always personalised and relevant to their specific needs and aspirations. My goal is to help clients navigate their financial journeys with clarity and confidence, providing guidance that supports their long-term financial well-being.

Outside of work, I find joy in spending quality time with my friends, family, and two beloved dogs. I also pursue personal growth and discipline through training in Brazilian Jiu-Jitsu, which not only enriches my life but also enhances my resilience and focus.

This blend of professionalism and personal passion allows me to make a meaningful and lasting impact on the financial journeys of the clients I serve.