Michael Fenton

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 typically work with business owners and professionals who are focused on building long-term wealth. Often, my clients don’t have the time to structure everything effectively themselves.

I’m particularly interested in helping clients make better long-term decisions, rather than focusing on short-term market noise.

My focus is on keeping my advice clear and practical, ensuring that your financial plan is something you understand and can act on with confidence.

Outside of work, I like to spend time with my partner and our golden retriever. I’m a keen football fan and keep active by playing both football and Padel.