Oliver Gibbs

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've been in the financial services industry since my early 20s and am proud to have helped with thousands of financial plans.

Whether it's saving for your first home, investing for the future or preparing for retirement I can take you through the things you need to think about and make sure that your finances are supporting you to achieve your goals.

People who work with me tell me the thing they appreciate the most is the peace of mind knowing that their plans are on track and they have someone keeping an eye out for anything that could change that.

When I'm not working with clients, you can most often find me in the local markets looking for ingredients, or in my kitchen cooking them up for my partner and our new daughter.