Wealth
ISA Advice & Management
ISAs are the simplest tax shelter the UK gives you — and the most underused. We help you fill the allowance every year and make sure legacy pots are still working hard.
Why Choose Us
Use every allowance, every year
The £20,000 ISA allowance is generous — but unused allowances are lost forever. We build an ISA strategy across the household and review legacy ISAs for cost, performance and fit.
- Full annual allowance planning across stocks & shares, cash and LISA
- Transfer-in of legacy ISAs without using current-year allowance
- Risk-profiled investment selection from a researched fund panel
- Spouse and family planning — doubling allowances within a household
- Annual review aligned with the start of each new tax year
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Your Journey
A straightforward process
Tax-Year Review
We map allowances across the household before the 5 April deadline each year.
Wrapper & Fund Choice
We choose the right ISA type and a risk-appropriate fund line-up.
Transfers In
We consolidate legacy ISAs where it improves cost, choice or consistency.
Ongoing Review
Annual review with rebalancing and a fresh allowance plan each tax year.
FAQs
Common questions
What is the current ISA allowance?+
The current annual ISA subscription limit is £20,000 per adult, which can be split across stocks & shares, cash, innovative finance and lifetime ISAs (subject to LISA's own £4,000 sub-limit). The allowance resets on 6 April each year.
Are stocks & shares ISAs risky?+
They invest in funds, shares or bonds, so the value can fall as well as rise and you may get back less than you put in. They're best suited to money you can leave invested for at least five years. We risk-profile every recommendation.
Can I transfer existing ISAs?+
Yes — and transfers don't use up your current year's allowance. We can review legacy stocks & shares or cash ISAs across providers and consolidate where it makes sense for cost, performance or simplicity.
ISA or pension first?+
It depends on your tax band, time horizon and access needs. Pensions get tax relief at your marginal rate but lock money away until 55 (57 from 2028); ISAs are accessible but funded from post-tax income. Many clients use both.
What about a Lifetime ISA?+
LISAs add a 25% government bonus on contributions up to £4,000 a year, but withdrawals before age 60 (other than buying a first home up to £450,000) carry a 25% penalty. They're powerful in the right circumstances — we'll check yours.
Make the allowance count
Book a short ISA review and we'll show you what your household allowances could be doing.