Yitz Sandler

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 professional life began as a rabbi working in the charity sector for the Jewish community, as a teacher and fundraiser, and then went into business in the financial services sector to better support my growing family.

After many successful years as a protection (life insurance) adviser, I qualified through the CII with a Diploma in Financial Planning, initially as an independent adviser but ultimately joined Quilter Financial Advisers on the merit of the outstanding platform that they provide for client support, providing the widest breadth of resources, and specialist expertise in all fields that I would never have been able to provide in my previous IFA role.

As a Quilter adviser, I am more able to focus my attention on client needs in the most personal way, confident that the solutions provided have been fully researched and analysed by experts in each particular field. Through the Quilter platform, I can provide my clients with easy access to the fund managers and analysts that give all the tools necessary to give best client experience in this outstanding business.

If not in the office, you’ll find me out on my road bike. Otherwise I’ll be tucked in at home enjoying the company of my wife, my five kids and growing number of grandchildren.