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Wealth Planning

Together we will build a comprehensive wealth plan aiming to safeguard your family’s future, investing to fund your financial aspirations, understanding your inheritance tax situation or preparing for retirement – it all begins with a plan to suit your needs.

We always assess wealth and investments through a lens of tax efficiency.

As the ever-dogmatic American broadcaster Arthur Godfrey once said, “I am proud to be paying taxes in the United States. The only thing is I could be just as proud for half of the money.”

Investment Portfolios

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Pensions

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ISAs

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Capital Gains Tax

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Income Tax

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Inheritance Tax

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Investment Portfolios

A group of investments aiming to meet the long–term financial objectives of a client. Our investment process defines the composition of a client’s portfolio – a blend of shares, funds and bonds; utilising the ISA subscription to enhance tax efficiency where appropriate. Income generated from dividends can be reinvested or paid to a client’s bank account.  

Pensions

A Self Invested Personal Pension (SIPP) is a type of account that allows you freedom to invest and control your pension fund. You can use a SIPP to combine old pensions, and you get all the same tax advantages as a traditional pension. We can offer financial advice to ensure what is best for your situation.  

ISAs

Individual Savings Accounts (ISAs) are a great way to shelter investments from income and capital gains tax. We offer a standard stocks and shares ISA where you can subscribe up to £20,000 each tax year or a Junior ISA allowing an investment of £9,000. Speak to us about a ‘continuous’ ISA subscription so that you do not miss out on this excellent investment vehicle. 

Capital Gains Tax (CGT)

CGT – A tax on successful investment! It is the tax on the profit when you sell an asset e.g. shares or a fund that has increased in value. You only have to pay CGT on your total gains above the individual annual tax–free allowance of only £3,000 (2024/2025). You can mitigate CGT by investing through an ISA or a pension fund for example. We will ensure that in managing your investment portfolio we utilise your tax-free allowance each year. 

Income Tax

Interest and dividend income is generally liable to income tax. You do not pay any tax on the first £500 of dividends in a tax year AND you pay no tax on dividends or interest from shares in an ISA. Have a conversation with us how to structure your investments in the most tax efficient way. 

Inheritance Tax

Paid by those who trust the government more than their family…. and is a tax on the estate of a deceased person. Normally, if the value of the estate (including the house) is below £325,000, no tax is payable. There are ways and means of mitigating the final tax bill of your life; discuss the options with us.