Kevin Harms

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 have over 20 years’ experience of working in financial services, having begun my career as an administrator for a local IFA before working my way towards becoming a Chartered Financial Planner. My clients range from young professionals to retirees, helping them to reach their financial planning objectives with clarity, confidence, and long-term vision.

I live in Brighton with my wife, stepson and two dogs and one cat. I'm a keen skier and footballer (not great). If you would ever like a game of squash or padel, rather than a more formal meeting, just let me know!