Rachael Lynch

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 planner with a specialist interest in making financial services more accessible to investors of all ages.

I want more people to feel empowered by their finances, rather than confused by them. I believe strongly that a well-structured financial plan can support wider lifetime goals and ambitions, and I spend time getting to know clients before making any recommendations, in order to understand their aims and objectives.

With a strong focus on financial advice for women, I understand the financial gaps and life events that disproportionately affect women - from career breaks and caring responsibilities to juggling multiple roles and longer life expectancy. My advice is tailored to real life, not just spreadsheets.

I am also known for debunking financial myths and making complex topics easier to understand. Clients say they appreciate my ability to explain pensions, ISAs, investment portfolios, and protection planning in clear, simple language.

Away from my desk, I love spending time with my (rapidly growing) children and husband, writing fiction, and making endless attempts to return to running.