We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Tax Planning
Our background and experience in this important area is your guarantee of the most tax efficient treatment for your savings and investments. We recognise that the more tax efficient your investments, the less risk you will be required to take to realise the goals you have set for growth.
Inheritance Tax (IHT)
Your pension and investment plans should be reviewed regularly to ensure they are protected from Inheritance Tax (IHT). IHT is usually paid on an estate, using funds from that estate when somebody dies. It is also sometimes payable on trusts or gifts made during someone's lifetime. There is, however, a threshold below which you will not have to pay IHT.
Capital Gains Tax (CGT)
CGT is a tax on the gain or profit you make when you sell, give away or otherwise dispose of something that you own, such as shares or property. However, some assets are exempt, such as your car, personal possessions disposed of for a certain amount or lower and, usually, your main home. There is a tax-free allowance which allows you to make a certain amount of gains each year before you pay tax. Some additional reliefs may also reduce your CGT bill or mean you have no tax to pay.
Trusts
Trusts are a useful tax and Inheritance Tax planning vehicle. They are a legal arrangement where one or more trustees are made legally responsible for assets which are placed in trust for one or more beneficiaries.
Trusts may be set up for a number of reasons, such as to control and protect family assets; when someone is too young to handle their affairs; when someone cannot handle their affairs due to incapacity; to pass on money or property during life; to pass on money or assets under the terms of a will; under the rules of inheritance that apply when someone dies without leaving a valid will.
Tax Allowances & Reliefs
There are a number of tax free and tax deductible allowances and reliefs which can reduce a tax bill, and in some cases can erase the tax altogether. These include the Personal Allowance, Married Couple’s Allowance and some business expenses.
Nearly everyone who lives in the UK is entitled to an Income Tax Personal Allowance. This is the amount of income you can receive each year without having to pay tax on it.
The Financial Services Authority does not regulate some forms of tax advice or trusts.