Matthew Byrne

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 take pride in helping my clients understand their options and putting them in an informed position to make the best decisions. I provide a holistic planning service, reviewing your needs and goals for your pensions and retirement planning, investment and wealth management, as well as protection and estate planning. I will take the time to fully understand your circumstances and needs, and get a real feeling of what is important to you in order to provide the best, personalised advice for you.

Before becoming a financial planner I worked in technology for over 10 years within the Financial Services Industry. I’m originally from Skipton in North Yorkshire. My career brought me to Edinburgh in 2018 and I’ve been settled here ever since. I travel back home regularly and work with clients in North Yorkshire as well as Edinburgh and the surrounding areas. The thing that brings me most joy in my work is helping people, and that’s why I love my role as a Financial Planning Consultant. My work gives me the opportunity to make a real difference in people’s lives and help my clients achieve goals they didn’t think were possible.

Outside of work I enjoy staying active through playing football, running, and going to the gym. I have a love for sports in general and will watch anyone chase a ball of any shape around a field! I have a passion for cars and enjoy road trips with my partner exploring the remote parts of Scotland. I‘m also partial to a bit of fine dining, and love planning city breaks in Europe.