Josh Slade

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.

With over 20 years’ experience in financial services, I bring deep industry knowledge from working with leading City banks, corporate pension providers, and within the fintech space. This allows me to combine technical expertise with practical, real-world advice that works for you - not just on paper, but in your day-to-day life.

I can help you with:

• Aiming to help grow your wealth through saving and investing
• Planning for retirement and making the most of it
• Protecting you and your loved ones
• Making tax-efficient financial decisions
• Planning for the future of your family and legacy
• Financial advice for business owners and the self-employed

In a world where flexibility matters more than ever, I offer a service that fits around you - whether that’s meeting in person or working together remotely. My aim is always the same: to make financial advice accessible, clear, and genuinely valuable.

I’m proud to be part of Quilter Financial Advisers, backed by Quilter plc - a FTSE 250 company with over 250 years of heritage. This gives my clients the reassurance of strong governance, proven expertise, and access to leading investment specialists.

Outside of work, I enjoy a busy life in the countryside with my husband, along with our one dog and six cats - so there’s never a dull moment. I’m passionate about fitness, enjoy travelling and exploring new places, and have a real interest in current affairs.

I place a strong value on trust, and long-term relationships - and I bring that same mindset into my work with clients. For me, it’s not just about financial advice, it’s about building a partnership that supports you at every stage of your journey.