Specialist tax support for financial planners

Depth on the questions that sit under the plan: how a business sale will be taxed, how a trust will be charged, how a move abroad changes the client's position, and how recent legislation affects an estate. We help you check assumptions so the plan the client acts on stands up when the tax is worked through.

No. We provide tax advice and structuring, not regulated financial advice, and we do not recommend investments, pensions or insurance products. You advise on the financial plan; we advise on the tax position that plan depends on. That division keeps each firm's role clear for the client and for regulators.

From 6 April 2027, most unused pension funds and pension death benefits are brought into the estate for inheritance tax, though death-in-service benefits are excluded. Plans that assumed pensions would pass outside the estate may need to change, including the order in which a client draws on different assets. We can help model the tax position under different scenarios.

Yes. Business owners face questions on extracting value, relief on sale, succession and inheritance tax. For example, business asset disposal relief is charged at 18% from 6 April 2026 on up to £1m of lifetime gains. We help you build the tax into the plan, and coordinate with the client's accountant.

We explain the exemptions, potentially exempt transfers and the seven-year rule, then test the client's plan against their real cash needs and estate. Annual gifts of £3,000 are exempt, and larger gifts to individuals fall out of the estate after seven years. We flag traps such as gifts with reservation of benefit.

Yes. We can model the tax cost of setting up and running a trust, including entry charges above the nil-rate band, ten-yearly charges and exit charges, and advise on the capital gains tax position on funding. This gives the planner and client a realistic view before committing.

Leaving the UK changes income tax, capital gains tax and inheritance tax, and the rules on timing and temporary non-residence matter. We advise on the statutory residence test, the inheritance tax tail after leaving, and what should happen to UK assets, so retirement plans reflect the true after-tax position.

Yes. A tax review of a plan prepared by you or by another firm can identify missed reliefs, structural risks and outdated assumptions, such as references to rules that have since changed. We give you a clear summary of findings that you can discuss with the client.

Yes. We work with independent planners, networks and larger firms. We are flexible about how we are engaged and billed, and we make no assumptions about your compliance framework. You should check your own firm's and network's requirements for using external specialists.

We treat client information as confidential, keep matters separate and process personal data under UK GDPR. We only ask for what we need, and we can begin on an anonymous fact pattern if you prefer. Our privacy policy explains how we handle data and which providers we use.

Yes. Some planners prefer to bring in a tax specialist for the part of the meeting that covers complex tax. We can join briefly, explain the issue plainly, answer questions and step away, leaving you as the client's lead adviser.

A brief summary of the client's circumstances, the planning question and the timing. Include the main assets, structure and residence. We will respond quickly, tell you whether we can help and what, if anything, we would need beyond that.

As part of your service: someone you have brought in because the question deserves specialist depth. Clients usually welcome it. You can introduce us in a short email or call, and we will then keep you informed of progress and send our findings through you if you prefer.

Yes. For clients with ties to more than one country, we cover the UK side: residence, foreign income, gains and inheritance tax, and the interaction with double taxation agreements. We also coordinate with overseas advisers so the plan works in each jurisdiction.

Tax law is reviewed often, so long-term plans should be revisited. We can provide updates on changes that affect your client base, such as business relief limits, pensions and the residence-based inheritance tax regime, and re-test specific cases when a change lands.

Yes. We look at the estate in full, identify reliefs and exemptions, and compare options such as lifetime gifts, trusts, business relief and Family Investment Companies. For larger estates, early action matters because many strategies need time to take effect, particularly the seven-year period for gifts.