Tax support for wealth managers and their clients

Because portfolio decisions have tax consequences that go beyond investment performance: gains on realisation, inheritance tax on the estate, the structure that holds the assets, and the client's residence. A specialist adviser can answer those questions in depth so you can focus on investment management and the client's overall plan.

No. We provide tax advice and structuring, not investment advice, and we do not manage money or recommend products. That is why wealth managers can bring us in without concern that we will compete for the portfolio. You make the investment decisions; we help you understand their tax effect.

Mainly on gains when assets are sold, on income such as dividends and interest, and on death through inheritance tax. For individuals, capital gains tax is 18% within the basic rate band and 24% above, with a £3,000 annual exempt amount. Structures can change when and how each charge arises.

Yes. An investment company or Family Investment Company can suit some clients, but moving existing assets in can crystallise gains and the company pays corporation tax on its income and gains. We model the position against holding personally and explain it simply, so you can discuss it with the client and decide next steps together.

We look at the whole estate and the family's aims, then compare gifts, trusts, Family Investment Companies, business relief and insurance-funded approaches. Inheritance tax is 40% above the nil-rate band, and pensions come into the estate from 6 April 2027, so many portfolios now need a fresh look.

From 6 April 2027, most unused pension funds and pension death benefits are brought within the estate for inheritance tax, though death-in-service benefits are excluded. For clients who had planned to spend other assets first and leave the pension, the order of drawing may need to change. We can model alternatives so you can adjust the drawdown strategy accordingly.

Yes. We advise on residence under the statutory residence test, the 4-year foreign income and gains regime for qualifying arrivals, and the inheritance tax tail that applies after leaving. The timing of a move, and what happens to the portfolio around it, can change the tax result significantly.

It depends on residence, the type of assets and the family. UK-situs assets, offshore holdings and trust structures are each treated differently. We map the UK exposure first, then recommend structural changes if needed, and coordinate with overseas advisers so the plan works across borders.

Yes. Larger firms often have a technical team that handles routine questions. We act as an extra layer of specialist depth for the complex cases, or as a second opinion before something goes to a client. We share analysis in a format your team can reuse.

We discuss it openly on the first call. If you have an in-house tax service, we can focus on matters it does not cover or provide independent review. We check for conflicts before starting and will not take instructions that cut across a legitimate arrangement.

A summary of the client's position: residence, family, main assets, existing structures and the objective. Keep it anonymous at the outset if you prefer. A short call is usually enough to agree the scope, after which we tell you exactly what further information would help.

We respond quickly. Focused questions, such as the likely tax effect of selling a holding or moving it into a company, can often be answered quickly. Larger planning projects take longer, and we agree a timetable on the first call so the client is not left waiting.

Yes. We can present on current tax developments for private clients, such as business relief, pensions and inheritance tax, residence-based rules or capital gains tax, in a practical and non-promotional way. Questions from clients can come back through your team so the relationship stays with you.

We do not provide portfolio reporting. We can provide written tax analysis for a specific decision, which you can reference in your own client reports. Routine tax return preparation remains with the client's accountant, and we avoid overlapping with that work.

Yes. Selling to rebalance can crystallise gains, selling and buying back can fall foul of the matching rules, and moving assets between spouses, trusts or companies can have tax effects. A quick check with us before large changes can avoid a bill that the new portfolio does not justify.