Xiaoyu Ding

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.

Hi, I’m Xiaoyu - a Financial Adviser who believes that good financial planning should give you clarity, confidence, and peace of mind. With over five years of experience in the financial services sector, I have worked with individuals and families to help them make informed decisions and build long-term financial security.

My career began in banking, where I developed a strong foundation in insurance and retail financial products while working as a Customer Account Manager. I later moved into the UK insurance and wealth sector, advising clients on protection planning and supporting them in understanding their financial needs and priorities. These experiences have given me a solid understanding of how to build long-term client relationships and provide advice tailored to each person’s circumstances and goals.

I hold the CISI Investment Advice Diploma (IAD), demonstrating my commitment to maintaining high professional standards and providing advice that clients can rely on. My approach is straightforward — I take the time to listen, understand what matters most to you, and create a financial plan designed to support your goals both now and in the future.

As a bilingual adviser (Mandarin & English), I enjoy working with both UK-based and international clients, helping them navigate financial planning with confidence, particularly when dealing with complex personal or family situations.

Outside of work, I enjoy playing badminton, camping, and hiking. I like spending time outdoors and staying active, which helps me keep a balanced and positive approach both in life and in my work.

If you would like advice from a Financial Adviser who values clear communication, long-term relationships, and personalised planning, I would be pleased to help.

I aim to provide practical, straightforward guidance to help you feel confident about your financial future.