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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.