TAX PLANNING
Income Tax, Corporation Tax, Capital gains Tax, Inheritance Tax… If you hate paying tax, you’re not alone. Tax Planning can range from simple, straightforward options, such as utilising ISA and Pension Allowances to more complicated and bespoke arrangements with perhaps more sophisticated solutions required.
What We Do
We will review your own personal circumstances and introduce to you a strategy to ensure that your savings and investments are managed in the most effective tax efficient way possible.
Please note that we only offer tax planning services to individuals and not businesses and focus on portfolios of investment funds held within tax wrappers like ISAs and Pensions, plus using capital gains tax allowances where appropriate.
In retirement, this often means drawing a tax efficient income, including pension drawdown. We do not advise on final salary schemes, very high-risk investments, or tax avoidance schemes.
Tax Planning would include appropriate solutions for Estate Planning.
The small print...
The Financial Conduct Authority does not regulate Tax Planning.
Our Approach
01.
OBJCTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
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04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.