Shreya Kukadia

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.

My journey into financial planning began during my Economics degree, which sparked a passion for understanding how financial decisions can create opportunities, provide security, and support long-term financial independence. Throughout my career, I have held a variety of client-facing roles, giving me valuable insight into the financial challenges and opportunities people encounter at different stages of life. This experience has shaped my structured, client-focused approach and reinforced my belief in the meaningful difference that clear, well-considered financial planning can make.

I begin every client relationship by taking the time to understand what matters most to you, your priorities, aspirations, and vision for the future. This enables me to deliver holistic financial planning across wealth management, retirement planning, personal and business protection, cash management and wealth preservation, creating practical, bespoke strategies that evolve alongside your changing circumstances and long-term objectives.

I believe that successful financial planning is built on trust, transparency, and integrity. My role is to simplify complex financial decisions, providing clear guidance and tailored advice that empowers you to make informed choices with confidence. I am committed to supporting you at every stage of your financial journey, helping you achieve your goals with clarity and peace of mind.

Outside of work, I'm a proud mum to two wonderful boys. I enjoy discovering new destinations through travel and maintaining an active lifestyle through Pilates, yoga, and the gym.