Personal Tax Planning

Improve Your Exposure To Tax

In addition to the areas outlined below, there are many other opportunities for taxpayers to reduce their tax burden.

We have saved our clients significant amounts of tax using genuine tax planning solutions. We do not advise upon risky unproven tax schemes which may disappoint. Our approach is to get to know your requirements and then consider a sound tax planning strategy to suit you.

We would be delighted to provide you with a no obligation initial consultation with one of our experienced members of our tax planning team.

Income Tax Planning

  • Recover income tax you have overpaid in the previous four tax years
  • Avoid paying the higher and additional rates of income tax
  • Reduce your overall income tax burden
  • Use of Gift Aid donations, pension contributions, Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT)

Capital Gains Tax Planning

  • Minimise the CGT on the sale of property
  • Structure your affairs so that you only pay the minimum CGT on the sale of certain assets
  • Defer CGT using various reliefs and exemptions available
  • Use of Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT)

Inheritance Tax (IHT) Planning

  • A general review of your own and of your family’s assets
  • Using lifetime planning to reduce IHT
  • Structuring wills effectively, trusts and other shelters to protect and maximise your family’s inheritance in conjunction with your legal advisors


Once these are established, we can assist with the:

  • Preparation of accounts
  • Administration of distributions
  • Negotiation with HMRC
  • Provision of advice in conjunction with your legal advisors

Other Savings Opportunities

  • Save National Insurance by restructuring remuneration packages
  • Increasing your finance requirements from tax rebates
  • Pension planning by reviewing your existing contributions and obtaining the maximum tax relief
  • Protecting your personal assets where long term care costs are required

Lifetime Events

The following lifetime events should be accompanied by a review of your tax position:-

  • Becoming married or entering a Civil Partnership
  • Having children
  • Separation and divorce
  • Career progression
  • Starting a business or selling a business
  • Changes to your business
  • Getting older and retirement

Upon Death

  • Reviewing the existing will to consider varying the terms to suit the beneficiaries more effectively and to minimise IHT
  • Administering the Estate to realise the assets and minimise the taxation thereon
  • Assisting with the income tax, CGT and IHT compliance of the Estate to ensure that the tax returns and the administration are effectively completed and the minimum amounts of tax are paid
Next Step:

Please contact Nilesh Patel – if you need further advice, have any questions about our services or would like a free consultation.