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Avoid making your journey too taxing
   
     
Avoid making your journey too taxing
Portfolios need to take into consideration the tax vehicle within which they may be invested. For instance, different investments are allowed within investment bonds than there are within ISAs, some investments are more suitable to higher rate tax-payers and others to non-tax-payers. We endeavour to ensure that we take advantage of your individual tax position when building a portfolio of investments.

Different asset types will suit different tax situations and should be considered during financial planning discussions. You should ensure that you utilise all of the allowances available to you, including your annual Capital Gains Tax and ISA allowances.

Other tax wrappers to consider are pensions and off shore bonds. Pensions have a similar tax status as ISAs, with the additional benefit of tax relief on contributions. However, unlike an ISA, when you draw an income, you may be subject to income tax at your marginal rate.

  Investment bonds provide an opportunity to defer the payment of tax to a more suitable time. If you were seeking to set up a trust investment, the nature of investment bonds provides considerable tax advantages to trustees.

Financial Planning Services
Complementary to being your Wealth Manager, we also offer a range of financial planning services to ensure that your investments are co-ordinated with your financial planning objectives.

These include;

  • Estate & Inheritance tax planning
  • Pre-retirement pension planning
  • Post-retirement pension income options
  • Long term care planning & Nursing home fees
  • Personal protection plans

 
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Exeter Offices | Tel: 01404 598 373
Briar House, Clyst Honiton, Exeter, Devon, EX5 2LZ
Cheltenham Offices | Tel: 01242 807 455
6 Bath Mews, Bath Parade, Cheltenham, GL53 7HL
Colyton Offices | Tel: 01297578460 
The Mews, Queens Street, Colyton, Devon, EX24 6JU
Exmouth Offices | Tel: 01395 542 551 
32 Rolle Street, Exmouth, Devon EX8 2SH
 
 
 

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