Lingyu Wu

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 a master’s degree from Strathclyde Business School and the Diploma for Financial Advisers (DipFA), I bring both a strong academic foundation and practical expertise to my role as a financial adviser. I also hold the CeMAP qualification in Mortgage Advice, enabling me to provide tailored advice on residential and buy-to-let mortgages, whether in personal names or through Special Purpose Vehicles (SPVs).

I’m passionate about helping families and individuals navigate every aspect of wealth planning - from preserving and growing assets through tax-efficient strategies, to preparing for a secure retirement, and ensuring loved ones are financially protected. My priority is to create personalised financial plans that reflect each client’s goals and values, while ensuring they are regularly reviewed and adapted as life evolves. I pride myself on delivering advice that is clear, honest, and practical - whether in person or online.

Using cutting-edge financial planning software, I help clients visualise their future through bespoke models and scenario planning, empowering them to make confident, informed decisions. I also work closely with accountants and legal professionals to provide a seamless, holistic service. Building long-term relationships based on trust and open communication is at the heart of my approach. My aim is for every client to feel supported, fully informed, and in control of their financial future.

Outside of work, I enjoy spending time with my husband and our two children. I'm also an enthusiastic cook with a love for global cuisines. I find joy in experimenting with new recipes and learning about different cultures through their food - a passion I love to share with friends and family. I live in Cambridge and split my time advising clients locally, as well as in the Senator House office in the City of London.