Nichola Wilcox

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 am a financial adviser with more than two decades of experience, supporting individuals and families feeling more confident and in control of their financial decisions. I’m committed to breaking down complex information into something clear and manageable, helping clients focus on their priorities and move towards a secure and stable future.

I believe financial planning works best when it's built on trust, transparency, and an open, collaborative relationship. My approach places you firmly at the centre of every conversation, ensuring you always feel informed, empowered, and supported. No matter what life brings, I’m here to guide you with clear, straightforward advice - so we can navigate any challenges together and keep you moving toward the future you want.

Outside of work, I love walking coast paths, spending time on the beaches, and swimming in the sea whenever I can. Family means everything to me, I’m married with two grown up children, and being with them is what keeps me centred and motivated.

The combination of my experience and my desire to really understand people influences how I work. I aim to offer dependable, thoughtful advice that leaves clients feeling heard, supported, and secure in their financial plans.