LIVES
Tooting, London
FAMILY
Husband
STARTED AT JM FINN
2023
HOBBIES AND PASTIMES
Skiing, playing tennis and padel, and watching the Harlequins at The Stoop
FAVOURITE HOLIDAY
Ski holiday
FAVOURITE FILM
Shawshank Redemption
FAVOURITE SPORTING MOMENT
Harlequins winning the Premiership in 2021
FONDEST MEMORY
Celebrating my marriage with friends and family in August 2024
PREFERRED MUSIC
Anything and everything from Queen to Taylor Swift
You joined JM Finn in 2023 - how has your career developed since you started with the firm?
Since March 2023, I have progressed from being an Associate Wealth Planner to a Wealth Planner. I am continuously developing my knowledge and expertise across the industry and have been able to deal with more complex client cases. I am involved with more aspects including pitches to prospective clients, Court of Protection cases, and presentations to intermediaries.
What are the goals of the Wealth Planning team for the next year?
It is an exciting time for Wealth Planning: we are increasingly busy and with that comes growth of our team. We would like to be more involved in prospective client and client meetings and grow our presence within the business. We pride ourselves on efficient and accurate work and strive to consistently provide an excellent service for our clients.
What are your top 3 wealth planning recommendations for clients in 2024?
- If your income is such that you are losing your personal allowance, consider whether you can increase contributions to your pension to reduce your adjusted net income and regain some/all of your personal allowance.
- Speak with your employer about making pension contributions via salary sacrifice. This will lower your National Insurance and income tax liability.
- If you are nearing state pension age and do not have enough National Insurance credits to receive a full state pension, obtain your state pension forecast and consider making top ups prior to April 2025.
Out of all the changes in the Autumn Budget, which was the single most surprising policy?
The inclusion of pensions within estates for inheritance tax purposes from April 2027. As advisers, we will need to spend some time adjusting our thoughts on financial planning, specifically inheritance tax planning. Each case will be client specific, and we will work with our clients to develop a long-term plan to be as tax efficient as possible.
