Tax planning

The earlier you start planning your retirement the better – your investments will have more time to grow. And the sooner you start thinking about tax the better – the less you may have to surrender to HMRC. Over the long term, this could make quite a difference.

Tax Planning

Saving for retirement is more complicated than it used to be. The government offers tax breaks on pensions, but these have become progressively less generous. Pension contributions are capped both annually and over your lifetime by a series of complex rules that keep changing. And ISAs have become more flexible and the allowance has increased.

Property is a popular investment option, but changes in buy-to-let, holiday home and mortgage interest relief may have left you wondering about the best way to include it in your portfolio. And did you know that a 'multi-dwelling' property is subject to a lower tax rate than residential property? Perhaps a home with business premises may suit your lifestyle and your tax position?

It can be challenging to stay on top of all the options and changing regulations, so you may want to consult a tax expert. Someone to help you navigate the maze of reliefs, rates and wrappers. And to make sure you don't make an expensive mistake.

Understanding your situation – bespoke planning

You'll have your own ideas about what you want from retirement, and how you want to get there. We'll take the time to understand your situation and ask all the relevant questions.

Our specialists can structure your finances in a tax-efficient way, for example:

  • understanding if it's more consistent with your strategic goals and more tax efficient to run your property or investments through a company
  • deciding when to draw money out of your pension, investment wrappers or company (as dividends)
  • advising on tax reliefs, exemptions and asset transfers relating to capital gains tax
  • advising on the implications of tax rule changes to dividends, savings, share valuations and offshore trusts
  • planning non-domicile tax arrangements if you're living or planning to retire abroad

Personal tax management

Our tax team is small enough to get to know you personally, but large enough to have specialists in all aspects of tax. We are chartered tax advisers and accountants, and are affiliates of the Society of Trusts and Estates Practitioners.

Retirement planning is a long-term endeavour. We can help you at every stage with a holistic service provided by financial planners, investment managers, pension and tax experts.

Capital at risk. The value of investments and the income from them can fall as well as rise and you may not receive back the original amount invested.

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