Tax planning

Tax is like any another cost and it can chip away at your investment returns over time. A few more pounds taken out of your portfolio early on will have a disproportionate affect on missed accumulation over the long term. You or your adviser may have spent considerable time and effort choosing investments. But you could lose up to 45% of your returns in tax.

Tax Efficient Savings And Investments

The tax system is becoming progressively more stringent and HMRC is dispensing more penalties. You'll want to avoid making a mistake and incurring an even bigger bill. You may want to ask a trusted expert to ensure you're not paying more tax than you need to. Sorting out your tax affairs can be time consuming and frustrating, hiring an adviser could save you time and worry.

Understanding your situation – bespoke planning

There are a variety of ways to reduce your tax bill. It's our job to understand them all, so we can work out what might be applicable to you. We'll take the time to understand your circumstances and what you want to achieve.

For example, your pay may be tied up in long-term arrangements, such as shares that will be given to you at a later date. With some expert planning you may be in a better position to decide when to sell the shares and what to do with the funds.

It might be worth paying particular attention to your pension. There could be a 55% tax charge on savings above the your pension lifetime allowance. We can work with our pension experts to make sure your scheme is set up in the most tax-efficient way possible.

If you have money that you're prepared to invest with higher levels of risk, tax-efficient investments such as Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs) are becoming increasingly attractive to some investors. Especially if you have significant income tax liabilities or you wish to defer capital gains.

Personal tax management

Our tax experts have a depth and breadth of experience. From arranging simple tax wrappers to resolving complex, specialised issues, our approach is personal and holistic.

Our investment, pension, financial modelling and tax experts can all work together to help grow your wealth and not pay more than you need to.

VCTs/EISs are unquoted investments which are highly illiquid, with investors potentially having difficulty in realising their investment at a given time. They should therefore only be considered as a long term investment i.e over five years. They also carry the risk of potentially losing all or part of your capital investment and therefore the return of your capital is not guaranteed.


Get in touch

If you want to discuss how we can help take care of your finances, and ensure you make the most of your money today, complete our contact form and a member of our team will be in touch.

Please remember investment involves risk. The value of investments and the income from them can fall as well as rise and investors may not receive back the original amount invested. Past performance is not a guide to future performance.

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