Tax Planning

One of the most reliable ways to build wealth is to structure your assets in such a way as to ensure that you pay the lowest level of tax possible on your investments.

Our advisers consider what tax breaks and reliefs are available to you. For example, if you are married, are you making best use of your combined reliefs? We often find one person pays a higher level of tax than their spouse. We look to make sure that income-producing assets are held in the lower taxpayer’s name.

Assets should also be held in the most tax efficient way. We concentrate the least tax efficient assets in the most tax efficient wrappers – and we take an objective overview of our clients’ assets, which is something that is often overlooked.

Capital Gains Tax

Capital Gains Tax.
Individuals are entitled to an annual exemption. If you think that your investments have made substantial gains and you have not yet made use of your annual allowance, you should consider taking financial advice as you may be able to utilise your annual allowance, or reinvest in an ISA (subject to the ISA limits).


Income Tax is a tax you pay on your income. You don’t have to pay tax on all types of income. You pay tax on things like: money you earn from employment, most pensions, interest on savings etc.. You don’t pay tax on things like: income from tax-exempt accounts, Individual Savings Accounts (ISAs) and certain state benefits such as Personal Independence Payment.

See our Tax Tables

Civil Partnerships

Civil Partnerships.
Couples who have signed a civil partnership are treated by HM Revenue and Customs (HMRC) the same as a married couple. A civil partnership must be registered in order to fall within the new rules.

Inheritance Tax

Inheritance Tax.
The Individual Inheritance Tax Allowance for tax year 2017/2018 is £325,000. Certain lifetime gifts can be made without giving rise to an inheritance tax charge. You can give away £3,000 worth of gifts each tax year (6 April to 5 April) and it is worth considering making a gift of this amount if you are in a position to do so.

Contact us today.

We’d love to hear from you. As a firm of Independent Financial Advisers we can give you the most suitable advice for your needs from the whole of the market.
Not everyone’s financial advice is independent. Ours is.