We advise on all forms of tax efficient investment to help you make informed positive choices to control your financial future.  


TAX PLANNING - profit extraction, tax mitigation

Tax planning is the analysis of a financial situation or plan to ensure that all elements work together to allow you to pay the lowest taxes possible. A plan that minimises how much you pay in taxes is referred to as tax efficient. Tax planning should be an essential part of an individual investor's financial plan. (Source: Investopedia)


Family protection insurance is a life insurance which pays out a lump sum or defined income on the death of the policy holder. This gives a financial cushion to your family members, giving you the peace of mind that they are free from financial burdens.


Business protection is an insurance contract designed to financially help protect a business if key individuals are diagnosed with a critical illness or die. Business protection is available for partnerships (including limited liability partnerships), shareholders, sole traders and key employees.


Generation Wealth Planning ensures wealth is passed down from one generation to the next in the most tax efficient way possible. It is sometimes referred to as family wealth or legacy wealth. This wealth can be property assets, stock market investments, or even a financial education to carry forward into the future.


Shareholder protection provides a business with the possibility to keep going if a partner is diagnosed with a critical or terminal illness or dies. The value of the partner’s shares can be passed to their beneficiaries through a sale to the remaining partners. This helps the surviving partners stay in control and minimises disruption to the business. Tax relief in the form of inheritance tax savings via Business Property Relief and Business Disposal Relief may also apply.


Retirement planning is the process of setting retirement income goals, risk tolerance, and agreeing a plan of action and then making the decisions necessary to achieve those goals.  


A cash flow model is a detailed picture of a client's assets, investments, debts, income and expenditure projected forward, year by year, using assumed rates of growth, income, inflation, wage rises and interest rates.


Personal investments take many forms from Unit Trusts, Open Ended Investment Companies (OEICs), Seed Enterprise Investment Schemes (SEIS), Enterprise Investment Schemes (EIS), Venture Capital Trusts (VCTs), Individual Savings Plans (ISAs), Life Assurance or Pension funds.  All investments are intended to be profitable or useful in the future.


Corporate investing put simply means investing the profits or surplus cash of a business, instead of drawing it as income or holding it in cash bank accounts. It is also a way to withdraw additional money from a company in a tax-efficient way when it is not intended to be used as income.

EQUITY RELEASE - Lifetime Mortgages

Simply put equity release lets you unlock the value of your property, giving you a cash lump sum.  This can be achieved with a lifetime mortgage where the loan plus the accrued interest is repaid when the property is sold.

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