Wealth Management

Frequently Asked Questions

• How do recent tax changes affect planning decisions?

  Recent reductions in CGT and dividend allowances, higher CGT rates, changes to Business Asset Disposal Relief, and the move to a residence-based tax system mean even modest gains or dividends can now trigger tax. Proactive planning helps ensure gains are sheltered, disposals are timed correctly, and allowances are not wasted.

• How often are investments reviewed?

  Investments are monitored on an ongoing basis, with formal reviews typically carried out annually or sooner if your circumstances change. You’ll also have access to regular valuations and reporting, allowing adjustments to be made as markets, tax rules, or personal objectives evolve.

• How are investments made tax-efficient?

  Where appropriate, we structure investments across available tax wrappers such as ISAs and pensions to reduce income tax, capital gains tax, and dividend tax. Allowances and thresholds are reviewed regularly to ensure your portfolio remains as tax-efficient as possible under current legislation.

• Is tax-efficient planning ongoing or a one-off exercise?

  It’s an ongoing process. Tax rules, allowances, and personal circumstances change regularly, so plans are reviewed and adjusted over time. Ongoing monitoring helps ensure opportunities are captured before deadlines and that strategies remain effective under current legislation.

• How has pension planning changed since April 2025?

  While most pension allowances remain unchanged, recent updates affect how pensions fit into wider financial and estate planning. Looking ahead, unused defined-contribution pension pots are expected to fall within inheritance tax from April 2027, and HMRC has tightened evidence requirements for higher-rate tax relief claims. These changes make forward planning and regular reviews increasingly important.