Russell Carter

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.

February 2026 marks my 27th year in the industry having worked through many major crisis and recovery. Advising clients through the Credit Crunch, Brexit and COVID etc, navigating through the issues of political change and daily life also. Wherever possible I break down the usual jargon and corporate speak to ensure full understanding of what you are doing and how I can help you. Dealing with clients from all walks of life, budgets and balances.

The most important things for me are firstly to get to know you, what you want to achieve and who and what is important in your life. But just as importantly is for you to be happy and comfortable with me as our journey will be a long one and I am here to advise, guide and support all the way.