Jamie Lea

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.

People often ask me why I decided to become a financial planner. The honest answer is because I love getting to know people and I enjoy helping people make sense of their finances and feel confident in the decisions they make. Every situation requires a bespoke solution.

People often tell me they feel overwhelmed by their finances. Using my experience as a teacher, I can turn a potentially overwhelming situation into one where you truly understand your options and give you the confidence that you’re on track to achieve your goals.

I follow a similar process with all clients. You, the client, are always at the centre of it all. The solutions and outcomes are what differ from person to person. 
1. I get to know you; what’s important to you and where you see yourself in the future
2. We look at your current provisions to see whether what you already have in place is enough to get you to where you want to go
3. If there is a more efficient way to achieve your goals, we will look at how we can work together moving forward.

Many people I speak to aren’t sure if they’re on track to get to where they want to be financially – or if they are being as tax-efficient as possible. If this sounds like you, I can help.

If you have never looked at your finances before and want some advice on where to get started, I can help guide you through what seems like an impossible maze right now.

Outside of work, I have a beautiful family with two young girls. We like to explore new places and try new things. And apparently, I now like gymnastics (I had no choice in the matter!). In my own time, I enjoy playing football, squash and golf. I’m also lucky enough to be a Wrexham AFC season ticket holder!