Selaine Saxby

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 live in lovely North Devon with my naughty Labrador, Henry – we both love time on the beach and long walks through our spectacular scenery. I enjoy being on the water, and gig row socially which helps give perspective with the view back to land. Understanding finances from all angles is vital to how I help to develop personalised, financial solutions.

I have always enjoyed helping people fulfil their potential through my various careers – having been a fitness instructor and run the country’s largest sports bra retailer, LessBounce.com I helped women fulfil their sports potential. As a maths teacher I still enjoy breaking down complex concepts so understandable, and apply them to real life; and as a local MP, meeting and helping constituents resolve issues was always the most rewarding part of the job.

I know life doesn’t always go to plan: since losing my parliamentary seat in 2024’s General Election I have retrained through the Quilter Academy. I bring a high political awareness of the economy alongside my financial acumen, and am accustomed to working with, and listening to people to find solutions and build financial resilience into their futures.

I work flexibly and am always happy to meet clients however suits them best, whether online or in person and look forward to meeting with you.