Nikita Stepanov

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.

Having run my own business, I understand firsthand the challenges that individuals and entrepreneurs face when balancing growth with financial security. This experience has given me a unique perspective on where people often need the most support - whether it’s protecting their business, making tax-efficient decisions, or planning for the future.

My approach starts with a simple conversation - an opportunity to understand your circumstances, priorities, and aspirations. From there, I carry out a comprehensive review of your finances, ensuring no stone is left unturned. The outcome is a tailored, tax-efficient financial plan designed to support you at every stage of life. I enjoy building long-term relationships, guiding clients through the ups and downs of their financial journey, and ensuring they make the right decisions at the right time. Whether you are an entrepreneur, a business owner, or a private individual looking to secure your family’s financial future, my role is to simplify the complex and provide clarity, so you can focus on what matters most to you.

Outside of work, I value time with my family and enjoy playing tennis and cycling. When my wife and I travel, I never pass up an opportunity to scuba dive.