Wanting to minimise your tax liabilities as much as possible through careful and legitimate tax planning is entirely understandable.

That’s why we support our clients with prudent advice. We focus on ‘mainstream’ tax planning, as opposed to tax avoidance, so you can be confident knowing you are operating both within the letter and spirit of tax legislation.

To begin with, we ensure that you are making maximum use of tax reliefs and exemptions – including the Income Tax personal allowance, Capital Gains Tax (CGT) annual exemption and Inheritance Tax Nil Rate Band. There are also tax-free investments using ISAs, which are actively encouraged by the government. In addition, pensions also benefit from a number of generous tax reliefs and we recommend that these form an integral part of your tax planning strategy.

Once we are confident you have made good use of tax reliefs and exemptions, ISAs and pensions, we will offer tax-saving and tax-mitigating advice in the following areas:


Specialist investments with valuable tax reliefs.

Enterprise Investment Schemes (EIS), Seed Enterprise Investment Schemes (SEIS) and Venture Capital Trusts (VCT) were introduced by the government to offer a series of potentially valuable tax savings. They are designed to help smaller higher-risk trading companies raise finance by offering a range of tax reliefs to investors who purchase new shares in those companies.

Tax savings on offer include income tax and inheritance tax relief as well as CGT deferral.

They are also a way of diversifying a portfolio to complement a client’s wider financial planning and risk profile since investments can be made in areas not commonly available for quoted investments.

No matter how generous the tax relief, we attach great importance to our research and due diligence to assess the investment proposition in its own right.

Our expertise is to advise on both the investment and tax aspects of EIS/SEIS/VCTs.

Typical EIS / SEIS Investment Sectors

(television, film, and video games)

Life sciences


Investments for IHT Mitigation (minimum 2 year qualifying holding period)

We advise on investments which qualify for 100% Business Property Relief (BPR), meaning that 100% IHT can be saved after a 2 year holding period. To benefit from this valuable relief, investments must be in unquoted trading companies, which carry higher risks due to the smaller size of companies and no ready market to value or sell holdings. Our approach is to consider the investment risks and tailor to your individual circumstances. Typical investments, which can be listed on the Alternative Investment Market (AIM), are often in qualifying trading activities such as:

Renewable energy
(eg solar and wind)

Land / Forestry

Business trading from freehold property
(eg hotels, health clubs, nurseries, care homes)



Investments for IHT Mitigation (minimum 7 year qualifying holding period)

We advise on investments using a number of different types of trusts, which can save 100% IHT after 7 years. There are also some trust structures which provide for an immediate IHT discount.

The benefit of using a trust is that in addition to a potential IHT saving, a client can ensure that income and capital is preserved and can be passed to chosen beneficiaries at the appropriate time. This level of control is not possible with lifetime gifts. Also, a trust can be invested in mainstream investments so risk can be managed and tailored accordingly.

Comprehensive Estate Planning Advice and Care Fees

Our advice in this area typically includes an assessment of the current IHT position, an appropriate Will and Lasting Power of Attorney (LPA), the potential for lifetime gifts or philanthropy/charitable gifts, as well as an action plan, including advice on care fees.

Life Policies

Life policies can be written in trust to cover a potential IHT liability. Whilst this does not reduce the IHT bill, it provides beneficiaries with the funds to pay the tax.

Asset Protection

We advise on asset protection to help preserve and protect family assets over time, so your estate passes to your chosen beneficiaries at the most appropriate moment. This may include a family trust, which can allow children to benefit during your lifetime, whilst protecting wealth from the risk of being dissipated on divorce.