Wealth
Tax-Efficient Investing Advice
Returns matter — but so does keeping them. We structure investments across the right wrappers so allowances and reliefs do as much of the work as the markets.
Why Choose Us
It's not what you earn, it's what you keep
A solid investment in the wrong wrapper can be quietly eroded by income, dividend and capital gains tax. We design the wrapper choice as carefully as the underlying portfolio.
- ISA, pension, GIA and bond wrapper choice aligned to your tax position
- CGT exemption and dividend allowance used proactively each tax year
- Spousal transfers and joint planning where appropriate
- VCT and EIS only considered when suitability and risk capacity warrant it
- Annual tax-year-end review before the 5 April deadline
VCTs and EISs are high-risk investments. Don't invest unless you're prepared to lose all the money you invest. You may not be able to access your money easily and are unlikely to be protected if something goes wrong.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount 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 Position Review
We map current income, dividends and gains across the household.
Wrapper Strategy
We split investments across ISA, pension, GIA and bond wrappers to minimise drag.
Written Plan
You get a clear suitability report explaining the structure and the trade-offs.
Annual Re-Plan
We review every tax year and adapt to Budget changes before they affect you.
FAQs
Common questions
What does 'tax-efficient' actually mean?+
It means using legitimate allowances — ISAs, pensions, the personal savings allowance, the dividend allowance and the annual CGT exemption — so more of your return stays with you. It's about structure, not avoidance.
What's the current CGT annual exemption?+
£3,000 per individual for 2026/27, sharply reduced from prior years. Spouses can combine to £6,000. Realising gains in stages each tax year to use the exemption is a core part of a tax-efficient plan.
Are VCTs and EIS schemes suitable for me?+
Venture Capital Trusts and Enterprise Investment Schemes offer significant tax reliefs but invest in higher-risk smaller companies and are illiquid. They're only suitable for experienced investors who can afford to lose the capital. We assess suitability carefully.
How do you split between pensions and ISAs?+
Pensions get tax relief on the way in but are taxed on the way out (with 25% tax-free); ISAs are funded from post-tax income but pay out tax-free. The split depends on your current and expected future tax bands. We model both.
How often do the rules change?+
Allowances, bands and reliefs are reviewed at every Budget — the dividend and CGT allowances have both fallen sharply in recent years. Annual planning meetings keep your strategy current.
Keep more of what you earn
A short tax-wrapper review usually identifies easy improvements. Start with a no-obligation conversation.