Vincent Rassat

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 approach to financial planning places your future lifestyle and financial goals at the centre of everything we do together.

We start with where you are financially today and we create a clear and tailored financial plan with clear financial goals.

My focus will be on ensuring that you are tax-efficient, financially prepared, and fully informed about your options.

To keep you on track, we will regularly review your financial position as your goals, circumstances, and priorities evolve.

Following a career pivot in 2019, I have drawn on both personal and professional experiences through roles including project manager, financial analyst and holistic financial planner.

This career change was a deliberate move into a vocation that genuinely adds value to people’s lives—something I am deeply passionate about.

I believe financial planning is one of the most important foundations we can put in place for ourselves and for those we care about.

My services include:

• Protecting wealth - safeguarding you and your family against the unexpected
• Creating wealth - maximising your standard of living as work becomes optional
• Managing wealth - structuring investments tax-efficiently and purposefully
• Business wealth - supporting growth and long-term profitability
• Retaining wealth - keeping more of what you earn, legally and ethically
• Preserving wealth - protecting your estate for future generations

My mission is to ensure you are prepared so you can enjoy genuine financial peace of mind and focus on what matters most.

I hold the CII Level 4 Diploma in Regulated Financial Planning and I am fully registered by the Financial Conduct Authority.

I am also a qualified member of the Personal Finance Society and it reflects my commitment to the highest professional standards and ongoing development.

Outside of work, I’m a proud parent to four amazing children, and family time is at the heart of everything I do. You’ll often find me at motorsport events throughout the year. I also speak fluent French, so if it’s more comfortable, we can have our conversations en Français.

If this resonates, let’s connect and start your journey.