Ryan Wernham

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 work with a wide variety of clients, from large companies to individuals starting up their own businesses. I also work with other clients who may have had some experience of financial services before, or those who may need more assistance.

Life is often described as lumpy, and no two clients are the same or have the same needs. Therefore, I take the time to understand what matters most to you, whether that is preparing for retirement, growing your investments, protecting your loved ones, or passing on wealth efficiently. By building a plan around your individual priorities, I aim to provide reassurance, clarity, and a structured path towards your objectives.

Ongoing reviews are a vital part of my advice process. Financial planning is not a one-off exercise, and regular reviews help ensure your plans remain aligned with changing personal circumstances, legislation, and market conditions, helping you stay on track towards your long-term goals.