Tax Doesn’t have to be Taxing

Part of good planning is making sure that you keep more than the tax man – so that is included in how we look at your portfolio. That might mean using specific products to reduce tax liabilities or planning how you’ll be able to take income from investments and pensions. Tax planning comes in many guises. At the simplest level, we want to do all we can to make sure that you don’t hand over any more tax than you really need to. Also, everything that you can save or invest without having had to lose some to the taxman gets the chance to grow much more over the years.

That said, we don’t believe in the tax tail wagging the investment dog. Sometimes it’s better to pay tax and have access to your money more quickly, so the balance comes by knowing exactly what your plans are. We have access to tax saving products like Self Invested Pension Plans (‘SIPPs’) and Small Self Adminstered Schemes (SSAS) plus VCTs and EISs.

For bespoke tax planning – which is essential for some people – we use our tax gurus.