Tax and Estate Planning
It’s not just about how much you make, it’s about how much you keep. Thoughtful tax planning ensures your wealth is structured efficiently, while estate planning helps you pass it on in the way that matters most to you.
A well-structured financial plan minimises unnecessary tax and ensures your wealth is working for you, not the taxman. Smart tax and estate planning isn’t about loopholes or short-term tricks; it’s about long-term efficiency, control, and protecting your wealth for the future.
You work hard to build your wealth, it makes sense to keep as much of it as possible. Without proper planning, tax can eat away at your income, investments, and inheritance.
We help structure your finances to maximise tax efficiency, using:
✔ Tax-efficient investing - Making full use of ISAs, pensions, and allowances.
✔ Income structuring - Optimising withdrawals, and understanding where to draw income from, and when.
✔ Capital Gains Tax planning - Spreading gains over time to minimise unnecessary tax bills.
Small adjustments now can lead to significant savings over time, ensuring you’re only paying what’s necessary, and not a penny more.
Keeping More of What You Earn
Passing on Wealth, Your Way
Estate planning isn’t just about inheritance, it’s about control. Without a clear plan, your wealth could end up with the taxman, not your loved ones.
📌 Key areas we focus on:
✔ Inheritance Tax planning - Structuring your estate to reduce the IHT bill.
✔ Gifting strategies - Helping loved ones now, rather than leaving everything as inheritance.
✔ Trusts & estate structures - Protecting wealth for future generations.
A proper estate plan gives you control, ensuring your wealth is passed on in the way that matters most to you.
Many people delay gifting because they worry they might need the money later. But done properly, gifting during your lifetime can bring far more joy than waiting.
"It’s better to give with a warm hand than a cold one."
A well-structured plan allows you to:
✔ Use tax-free allowances to pass on wealth efficiently.
✔ Help family members onto the property ladder or with education costs.
✔ Reduce future Inheritance Tax liabilities while seeing the impact of your wealth.
By gifting wisely, you can support loved ones now - without putting your own financial security at risk.
Gifting With a Warm Hand
The biggest tax bills aren’t caused by bad decisions - they happen because people do nothing at all.
⚠ Letting tax allowances go unused.
⚠ Taking income inefficiently.
⚠ Ignoring Inheritance Tax planning until it’s too late.
With proactive tax planning, you take control, ensuring you keep more of your wealth while staying compliant with tax rules.
The Biggest Tax Mistake? Doing Nothing.
A well-structured financial plan doesn’t just look at today, it prepares for the unexpected. We help safeguard your future by:
✔ Wills & Power of Attorney - We will check these are up to date, to ensure your wishes are respected.
✔ Protection strategies - Life insurance, business protection, and financial security for your family.
✔ Future-proofing your estate - Keeping your plan flexible as tax rules evolve.
No one likes to think about what might happen, but getting these things in place removes uncertainty and ensures your family is protected.
Want to Keep More of Your Wealth?
The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen
The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested