Tax planning

Making effective use of tax allowances and opportunities with a client is one of the ways we can add value to a client relationship. These would include:

 

  • Retirement planning
    • Use of the annual allowances, and carrying forward any unused from previous years. This effectively reduces the client’s tax liability for the year in question whilst planning for their retirement
  • Capital Gains tax planning – making sure it’s used where possible each tax year
    • Also includes the potential to transfer assets between spouses for greater effect
  • Individual Savings Accounts (ISAs) and the annual subscription limits
  • Enterprise Investment Schemes and Venture Capital Trusts – used effectively for the right client to defer gains and reduce income tax liabilities

How to pay less tax

In order to pay less tax you first need to understand what tax you are paying and what allowances are available to you under UK law.

There are straightforward ways to ensure you’re managing your money in a tax-efficient manner. These can include: making the most of your ISA and pension allowances; spousal transfers; or selling down investments over time to ensure you don’t pay more capital gains tax than is necessary.

Our tax advice

Our independent financial planners and tax experts will work with you to understand your current tax situation and your objectives. They’ll then propose strategies to manage and reduce your tax bill.

We’ll only ever recommend the best tax advice approach to suit your circumstances at the best possible cost.

The inheritance tax problem

Inheritance tax is charged at a punitive 40%. That means almost half of your wealth above your nil rate band goes to the taxman.

But inheritance tax is actually a legitimately ‘avoidable tax’. Despite this, every year people in the UK pay more than £3.8bn to the taxman un-necessarily. It doesn’t have to be this way.

At Pepperells Wealth we believe that you should be able to pass on as much of the wealth you’ve earned as possible. Through careful assessment of your situation and objectives we can develop strategies such as gifting to reduce or eliminate the tax your heirs pay on your estate.

Fair and transparent costs

We work hard to deliver excellent value to you. It’s what drives us.

We’re transparent about the charges you’ll pay for advice and investments. And there’ll be no hidden fees, ever.

Reach Us

Contact the team at Pepperells Wealth.

The Lawn, 1 Ingleman Place, Lincoln, LN1 3BU

01522 717 410

info@pepperellswealth.com

Ask us a question...

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WHAT OUR CLIENTS SAY…

Q. What were the circumstances that caused you to look for a Financial adviser?

A. I am self employed and was aware that I had not prepared for the future in terms of savings and pension and I was also not covered should I be unable to work.

Q. How did Nigel Wvendth help you?

A. Nigel and I talked at great length about my finances and he made some very helpful suggestions which I have acted upon. At no time was I under any pressure to go with the plans he had suggested and I really feel that he has acted in my best interest.
What is your current situation?

Q. Have you seen the outcome you were hoping for?

A. Yes and he is helping me continue to make plans for my future.

Q. What could they have done better?

A. I honestly couldn’t be more happy with the service Nigel has provided. I’ve had a bad experience in the past where my best interest certainly wasn’t key. Nigel has listened to me extensively and put together a very thorough plan which is not only helpful now but will be helpful in the future as we look to mortgage renewal, which I will be doing with Nigel.

Q. What were the circumstances that caused you to look for a Financial adviser?

A. Guidance with our pension plan.

Q. How did Nigel Wvendth help you?

A. Answered all our concerns in plain English. We felt at ease with him and at no time did we feel any peer pressure.
What is your current situation?

Q. Have you seen the outcome you were hoping for?

A. Was given a lot of advice and we are currently moving forward with this.

Q. What could they have done better?

A. We feel that all our concerns and questions were answered.

Q. What were the circumstances that caused you to look for a Financial adviser?

A. Pension Sharing Order following divorce.

Q. How did Nigel Wvendth help you?

A. Nigel has advised on the most appropriate pension plan for my circumstances and has gone above and beyond in helping ensure the pension has met my circumstances and looked at ways in which to help ensure some degree of financial security for my son and I.

Q. What is your current situation? Have you seen the outcome you were hoping for?

A. Most definitely.

Q. What could they have done better?

A. Nothing. Nigel has been extremely helpful but not at all pushy. he has listened to my circumstances and taken them into account at every step. Nothing has been too much bother and his communication has been brilliant.