Terence Neves

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.

Here’s where I can help. When you’re managing work, family and everything in between, it’s easy for your finances to slip to the bottom of the list. I help you get the essentials in place. Starting with the right protection, so that if something unexpected happens, your family is financially secure. From there, we focus on building your wealth in a way that actually fits your life, whether that’s planning for your own future or supporting your dependants through the milestones ahead.

I’ll work with you to map out the retirement you want and check you’re on track to reach it. And when it comes to passing on what you’ve built, I’ll guide you through doing it in a clear, tax‑efficient way that protects your family and reflects your wishes.

My job is simple. To cut through the noise, make the numbers make sense, and give you a plan you can trust. Today, tomorrow, and long term.

Outside of work, I’m an avid traveller with a particular passion for cruise travel. Through previous roles, I’ve had the opportunity to work at sea and sail across all seven continents, gaining a broad perspective and a wealth of insight along the way. It’s also left me with more stories than I can ever fit into one conversation. The kind that tends to come out over a coffee and usually end with a laugh or an “I never knew that.