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Tax Smart Wealth Management

“ What makes us different, is that we focus on “real” return: what our clients earn after income and capital gains taxes, fees and the impact of inflation.”
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Tax Smart Wealth Management is our proprietary framework to manage our client’s wealth in the most tax-efficient manner, relentlessly focusing on helping to protect our client wealth from erosion by taxes and aiming to maximize post-tax investment returns.

Critical Elements

  • Tax-deductible strategies
  • Tax-advantaged strategies
  • Asset sale tax planning strategies
  • Cash flow distribution strategies
  • Tax implications for estate planning
  • Coordination with tax professionals

Principles of Tax Smart Wealth Management

As the saying goes, in life there are only two certainties: death and taxes. Whilst neither can be avoided, understanding how your investments can work more tax efficiently for you is crucially important in helping you achieving your financial goals.
Every investor is looking for an edge that helps them boost their overall wealth. But one strategy that most investors don’t pay enough attention to is tax efficient investing. The reason?  Even small reductions in tax costs could potentially have enormous consequences for wealth accumulation when compounded over a number of year.
Your goals and personal philosophy toward taxes are unique and may change over time. For many families, income tax planning and estate tax planning are key components in a financial plan.
Our recommendations are outcome-based, not tax-driven. We allow your goals and values to dictate the best tax strategy. Our clients rely on us for comprehensive solutions that take into account annual income and capital gains taxes, inheritance & estate taxes now and in the future.
Our recommendations are outcome-based, not tax-driven. We allow your goals and values to dictate the best tax strategy. Our clients rely on us for comprehensive solutions that take into account annual income and capital gains taxes, inheritance & estate taxes now and in the future.

  1. Utilize all your family’s available tax allowances on a rigorous basis annually. 

  2. Arrange your assets in the most tax-efficient manner where appropriate utilizing tax advantaged accounts. 

  3. Tax Efficient Asset Location Strategy – Hold dividend- and interest-paying investments in tax-deferred or tax-free accounts.

  4. Tax-Smart Wealth Distribution Strategy – A tax-efficient retirement income withdrawal strategy and inheritance tax planning.

Tax Efficient Asset Location

Understanding and keeping up-to-date with tax regulations can be complex and time-consuming. We help our clients by structuring their finances tax efficiently.
With access to a dedicated Tax and Technical team, we are well equipped to devise intelligent tax-efficient investment programmes and help ensure these remain relevant with changing legislation.
As a wealth management firm, we carefully consider the tax consequences of dividends, income, and capital gains for each client portfolio. The tax planning strategies we use include:
  • Matching tax-generating assets with tax-efficient accounts.
  • Offsetting gains with losses whenever appropriate.
  • Using tax-exempt and tax-advantaged investments as warranted.
  • Closely monitoring the after-tax return on your investments and reporting taxable distributions to your accountant.
Research has shown that tax-aware investing can significantly contribute to the long-term growth of a portfolio.

Utilising your annual CGT allowance

If your investments have grown in value then it’s likely you’ll need to pay capital gains tax.
Your after-tax Return is what Matters
Other wealth managers and private banks may report only your investment returns, but they might not be factoring in a key element that could lower what you take home: taxes.
There are many legitimate tax planning opportunities that are available, which we will advise you on and suggest suitable plans that meet your long-term objectives – this is where our skills really make a difference to you and your family.
A Tax-Smart Wealth Distribution Strategy
Our tax-smart retirement income strategy© is another way in which the different components of a tax strategy can complement one another by sequencing withdrawals in a tax-efficient way.
A simple withdrawal sequence might involve withdrawing from taxable accounts first and tax-advantaged accounts last, but, even-more complex withdrawal sequencing strategies can have a significantly greater impact on lifetime spending power. For example, distributing savings that don’t register as taxable income, like tax-deferred withdrawals from an offshore bond, and distributions from tax-efficient vehicles such as ISAs and Venture Capital Trusts (which are high risk) so you pay lower average rates while continuing to shelter your investments from tax.
Overall, how these different approaches are combined can make a significant difference when it comes to building wealth over the long term. Each of them can be helpful in and of themselves, but in concert, they can provide much more significant compounded benefits that can really move the needle. We help you by maximising the use of government allowances, so you can have the lifestyle you deserve;
  1. Pension lifetime allowances protection
  2. Taking a tax-efficient retirement income
  3. Helping to reduce your Inheritance Tax Bill (IHT)
The value of an investment will be directly linked to the performance of the funds you select and the value can, therefore, go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.