Nick Broom

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 understand that life is full of surprises, and financial planning should be as unique as you are. That’s why I take the time to truly listen, get to know your aspirations, and create a partnership built on trust and transparency. My passion lies in helping people feel secure, confident, and empowered when it comes to their financial future.

My approach goes beyond just numbers - it’s about giving you the clarity and peace of mind to navigate life's twists and turns. Whether you’re planning for exciting milestones or preparing for the unexpected, I’m here to guide you every step of the way. Financial decisions don’t have to be daunting - I simplify the process, offer personalised strategies, and ensure you always feel supported.

I live in Lincoln with my partner, and when I’m not helping people build a strong financial future, you’ll find me outdoors, embracing adventure. Whether I’m out on the golf course (with mixed results!), tearing down trails on my mountain bike, or carving through fresh snow on my snowboard, I thrive on the thrill of nature and movement. I bring that same enthusiasm and energy into my work - helping you navigate your financial journey with confidence and excitement. No matter where you are in your journey, I’m committed to helping you make informed choices that align with your dreams and values.

Let’s work together to build a strong, secure financial future that gives you the freedom to live life on your terms.