Our team is regulated by the Financial Conduct Authority (FCA). As a full-service firm, our advice is linked to legal, tax and property advice, where appropriate, ensuring you can make the right decision for your entire portfolio.
How we can help guide your investments
We can’t overstate how important tax investment is. Being independent advisers, we’re well-placed to advise on the full range of products available to you. This includes Individual Savings Accounts (ISAs), Investment Bonds, Pensions, Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs). Most importantly, we fine-tune all our advice to your objectives.
In our experience, investors often underestimate the risks involved. That’s why we’re as thorough and clear as possible, so you’re fully aware of all potentialities. This lets us structure your investments with clarity and confidence, minimising risk to help you achieve your financial goals.
How we can help to grow your investments
We can help you grow your investments by:
- Focusing on short- to medium-term strategies to grow your capital, including planning for long-term financial stability.
- Ensuring your pension and investments work well into your retirement.
- Minimising inheritance, capital gains, and income tax.
However we help, we always tailor investment and tax strategies to your needs. Our support spans the initial setup and an ongoing review of performance. Through careful monitoring, we’ll ensure your investments stay healthy, and can swiftly adapt if necessary.
How we can help to minimise your Inheritance Tax (IHT) bill
To provide you with the best possible advice on your IHT position, we will work with you to find out about your assets and what you would like to do with them. Our starting point is always making sure that you are financially secure before you take any steps to reduce IHT.
With a clear view of your potential IHT liability, we will put a strategy in place to minimise the tax owed. This might be done over a short period, or through a longer-term plan. We will support you throughout the process in various ways, including:
- Making gifts from your estate during your lifetime
- Investing in IHT efficient investments
- Using trusts to hold assets
- Transferring assets to your spouse or civil partner
- Preparing a Will
In 2024, the IHT threshold due upon death is 40%. This is a significant charge, and we work with clients to reduce this, where possible. There are some situations where IHT cannot be avoided, and we can also put in place life cover to help your beneficiaries pay the tax.
