Robbie Humphries

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 help people bring order and confidence to their financial lives.

My focus is always on understanding what matters most to you and ensuring you have a clear picture of your financial position. When you understand where you stand and what your options are, decisions become easier and more confident.

I advise on pensions, investments, protection, retirement planning, inheritance tax considerations and broader financial structuring. Whether you are building wealth, preparing for retirement, protecting your income, or simply getting organised, my role is to simplify the moving parts and help you see the bigger picture.

Clients often tell me they value the clarity and calm approach I bring to conversations that can otherwise feel complex. My aim is to give you confidence in your choices and reassurance that you are on the right path.

Financial advice should feel structured, collaborative and personal. If you are looking for clear guidance and a long-term partner to help you make sense of your finances, I would be delighted to help.