Parvesh Mistry

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.

Many people think that you need to be rich or have a lot of money to use the services of a Financial Adviser, and this is just not true – Financial Advice comes in all shapes and sizes and my role is to ensure that all my clients are treated the same way as each other – no matter their net worth.

All people want the same thing, they want to pay as little tax as possible, and they want to have the means to cover life’s expensive moments, like a dependant’s first mortgage deposit, or paying for a wedding – without it wiping out your savings. Well, here’s where I can help. I cover all aspects of financial advice; I look to protect what you have if the worst happens to you or a loved one. I then aim to help build wealth, whether that be for personal growth, or to save for a dependant’s life event. I help plan for retirement, make sure that you are on track to have the retirement that you want. I also help to ensure that your assets are passed down to your dependants as tax efficiently as possible.

What do you have to lose – speak soon. Parvesh