Tax Planning

We always consider the implication of tax as part of any financial plan. In some cases, you may require a specific plan relating to a one off , continued or future tax liability. Tax planning work is often done in conjunction with your accountant.

All advice we offer is in line with HM Revenue and Customs rules and regulations.

Planning for Income Tax

In some cases we are able to reduce your taxable earnings. There are several ways to do this. For example, making a specified pension contribution. We have access to a range of alternative investments vehicles that could reduce your income tax bill including:

- Venture Capital Trusts - 

 - Enterprise Investment Schemes -

Planning for Capital Gains Tax (CGT)

Capital gains tax is often payable when you dispose of (or sell) an asset that you have held for some time. There are several actions we can take to reduce a CGT liability. Generally these actions will involve careful planning as to how and when a gain in realised alongside the use of specialist investment vehicles.

Planning for Inheritance Tax - Estate Planning

On meeting a client, we always keep an eye out for any potential inheritance tax implications that may arise on their death. We will show you how much inheritance tax your beneficiaries may have to pay on your death. We will then discuss ways in which this liability may be reduced.

This may involve calculating how much you can afford to give away to your loved ones without affecting your own quality of life. It could involve applying one of the many inheritance tax exemptions. Where appropriate, we can also utilise more complex financial instruments such as:

 - Gift and Loan Trust - 

 - Discounted Gift Trust - 

 - Business Property Relief -

Please get in touch on 01291 671075 or email if you would like to talk further about any of the above. You can also review our guides - available in the Document Library.

The value of investments and any income from them can go down as well as up and you may not get back the original amount invested.

Tax concessions are not guaranteed and may change in the future. Tax free means investor pays no tax.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Exley Financial Planning is a trade name of Peter John Exley which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.