Tax and Estate Planning

We ensure our financial planning ideas are optimised by the careful application of tax mitigation strategies. This can considerably enhance the long term results of capital accumulation and provision of income. With the ever evolving UK tax regime we continually monitor the opportunity to include within a financial plan, the following strategies:

Use of tax free wrappers
Appropriate allocation of assets between spouses to minimise tax
Short or longer term tax deferral to mitigate liabilities at higher rates
Regular use of unused tax allowances, particularly for higher rate income tax payers
Use of the various tax reliefs available to a variety of circumstances

Where inheritance tax mitigation and estate planning are a priority, we delve deeply in to the more complex areas of how estates can be preserved when passing through generations. At a time when the Government coffers are tightly stretched, and only 7% of the population is subject to inheritance tax, it is understandable why the Treasury is reluctant to reduce the impact of this tax. Whether the combined priority of estate planning be about maintaining control of assets, deriving personal income from estate assets, deferring beneficiaries from gaining access, or even protecting accumulated wealth from possible future care fees, there are strategies and schemes which can be successfully incorporated in to many circumstances with a view to preserving wealth when passing through generations.

In exceptional circumstance where excessive tax liabilities could or have occurred, maybe through a business or property sale, through high earnings, or even through stamp duty property tax at 4%, specialist strategies can be explored with a view to mitigating or even eliminating liabilities. These are outside the realms of regular financial planning, but can nevertheless prove a hugely useful weapon in selected individual circumstances.

Comprehensive Financial Planning
Investment Planning
Retirement Planning
Tax and Estate Planning

The Financial Conduct Authority do not regulate some forms of taxation advice