Thomas Hawkes

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.

Meeting a client in their current situation and helping them reach financial freedom, options and security is my source of motivation. This can be anything that truly matters to a person and their family: a happy retirement, funding children’s education and house purchases, successfully protecting finances in difficult periods.

I collaborate to create detailed, tax-efficient financial plans to get from point A to point B. I enjoy long-term relationships with clients to ensure targets are being met and changing situations are taken advantage of for client benefit. Before joining Quilter I specialised in insurance at one of the largest mortgage brokers in London.

Outside work, I’m a proud father and a keen sportsman.

Tax treatment varies according to individual circumstances and is subject to change.