Can you save me tax?

Tax can certainly be taxing but structuring your finances tax-efficiently has many benefits, so it’s worth taking the time to get it right.

As Lifestyle Financial Planners, we always take the long-term, holisitic view of your finances. And when it comes to your taxes, it’s no different. We’ll look at your lifestyle goals, your ambitions and your personal values and ensure your tax arrangements are conducive to your overall plan.

Using your tax allowances

By knowing how to use tax allowances optimally, you can reduce the total income you need to pay tax on, saving yourself money. But understanding the complex UK tax laws requires an experienced professional eye.

We will work with you to identify the opportunities you may not currently be aware of, and then structure your affairs to ensure they are optimally tax-efficient.

We can help you structure your investments more tax-efficiently to ensure they’re working hard on your behalf. Whether that’s through the use of simple accounts such as ISAs and Capital Gains Tax allowances, or through more sophisticated and complex tax-advantaged investments.

Tax planning for retirement

Whether you’re already taking a retirement income, or you’re still in the planning phase, there are plenty of allowances that can be used to help you save money in retirement. From pension contributions to pension lifetime allowances and ISAs, we can help you identify which of the available options you’re eligible for, and make recommendations to enable you to achieve the biggest possible savings.

Inheritance Tax & estate planning

Inheritance Tax – the tax on the estate of someone who has passed away – can run into hundreds of thousands of pounds, meaning your loved ones could be left footing a hefty bill when you die. And yet it’s a tax bill, that with careful planning, can be avoided altogether. As experienced estate planners, we will help you build a plan that ensures that those you choose can benefit from your estate without the costly tax bill.

Business tax planning

As a business owner, you may have concerns about the significant tax liabilities that can be arise on your pensions or when you come to sell your business.

We can help you legitimately reduce your potential annual and lifetime allowance, Income Tax and Capital Gains Tax liabilities. We will consider your personal and business tax implications together as part of our lifestyle planning service, enabling you to plan for the bigger picture.

We will help you identify areas where you could be making savings in your:

  • Corporate taxes
  • Income Tax
  • Capital Gains Tax
  • Dividend income
  • Contributions into ISAs, pensions and other savings accounts
  • VAT
  • Inheritance Tax

Whilst all the time keeping your long-term goals in mind.

With over 22 years’ experience helping business owners, senior executives and those approaching and in retirement to achieve their lifestyle and financial objectives, we’re perfectly placed to help you find taxation solutions that enable you to achieve your goals.

Who we work with

We want to be sure we can provide the standard of excellence and service that our clients deserve. That’s why we are careful about only working with those clients for whom we can provide our very best work.

Our clients work with us because they value a long-term, meaningful relationship and an extraordinary, personalised service. They engage us to help them achieve goals and aspirations that mean something in their life. And that is what we always strive to deliver.

That means if you’re looking for a one-off piece of transactional financial advice, we may not be the right fit for you.

Our services are best suited for those who:

  • Are company directors / senior executives / partners in a professional practice
  • Business owners, or
  • Are widowed, or
  • Have started a family, or are looking to, and
  • Are saving for future plans, including school fees
  • Have a good lifestyle and want to protect it
  • Would like some professional and personal guidance on how to help you get the best from your life with the money you have

Mostly, we meet new clients at a crossroads in their life; they are looking to make changes or overcome worries about the future.

Our services are therefore designed for clients who are facing key life decisions, looking for personal and professional guidance about their goals and who may need existing assets realigned into a comprehensive lifestyle financial plan.

If you’re unsure whether our services are right for you, get in touch and we’ll be happy to answer your questions.

How we can help

Our work will focus on helping you structure your finances more tax efficiently and on ensuring you’re making the most of all the available allowances. But it will also help you see where your tax plans fit into your wider lifestyle and financial goals.

Case studies

He opened my eyes to the possibility and gave me the confidence to take the leap.
Jon Langford
client since 2017
When I think about my finances now, I don’t worry
Sue Johnson
client since 2015
Matt didn’t come across as a normal financial services type of person.
Phil & Sharon Middleton client since 2019
Matthew is always accessible.
Richard Langran
client since 2019

Get in touch

ADDRESS

35-37 High Street
Barrow upon Soar
Loughborough
Leicestershire
LE12 8PY