Financial planning
Tax planned in advance, not reconciled in arrears
Structuring income, investments and withdrawals with the tax consequences in view from the start.
The problem
Tax is usually handled in March, by which point the decisions that determined it were made months earlier. The result is a scramble for deductions rather than a structure that was tax-aware from the start.
Our approach
We look at the tax position alongside the investment and income position, not after it — the order of withdrawals in retirement, the holding period before a sale, which account a particular asset belongs in.
We work with your accountant rather than around them.
What we help with
- Choosing between tax regimes with the full picture in view
- Asset location: which holding belongs in which account
- Capital gains timing and harvesting where it is worthwhile
- Withdrawal sequencing in retirement
- Coordinating personal and business tax positions
Who this is for
- Higher-rate taxpayers
- Anyone with capital gains to manage
- Business owners with both salary and dividend income
- People approaching retirement drawdown
How it works
- 01
Position
Current and projected tax position across every source.
- 02
Options
Structures and sequences worth considering, with the arithmetic.
- 03
Coordination
Implementation alongside your accountant, documented.
What changes as a result
Decisions made with tax in view
Before they are taken, not afterwards.
Fewer March surprises
The year is planned rather than reconciled.
Tax treatment depends on individual circumstances and rules change. Nothing on this page is tax advice; it describes work we do with clients under a written engagement.
Schedule a confidential consultation
Forty-five minutes, no obligation, and no charge. If we are not the right firm for what you need, we will say so and point you somewhere better.
Anything you share is held in confidence. We ask only for what we need to prepare for the conversation — never account numbers or login details.