Michael Smith

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 aim to empower clients with the knowledge and confidence they need to make informed financial decisions, helping them achieve financial security and work towards the future they envision.

My background in classic and sports cars has shaped many of the qualities I bring to my role as a financial adviser, from building strong, lasting relationships with clients to understanding the importance of careful research, patience, and long-term planning when evaluating and preserving valuable assets. These same principles apply to financial planning and wealth management, where success often comes from a thoughtful strategy and a focus on long-term objectives rather than short-term fluctuations.

Beyond financial planning, I have a passion for blues guitar and enjoy staying active through a variety of racket sports.