Thomas Baldwin

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.

Before becoming a financial planner, I worked as a truck mechanic, where I learned the value of long-term thinking and preventative maintenance. That mindset now shapes my approach to financial planning - because investing in your future is a long haul journey.

I’m committed to helping clients achieve their goals with confidence and clarity, and I place great importance on building strong, lasting relationships. For me, a solid financial plan starts with the right protection. Life can be unpredictable, and ensuring your family is secure through illness, disability, or worse provides peace of mind when it matters most.

I guide clients through these conversations with honesty, care, and a calm, practical approach, helping them make confident decisions about their family’s financial future.

I’m a full-time dad to two energetic kids who sit at the centre of every decision I make. When I’m not helping clients, you’ll usually find me on the football pitch or in the gym, always pushing myself to learn, grow, and improve.

Get in touch, I will always make time to care for you and your family.