Tax efficient investment services

Along with investing in an appropriate portfolio aligned to a client’s overall financial objectives and attitude to risk, it is important that consideration is given to the tax wrapper that the investments are held in.

LFWM provides advice on the numerous tax efficient investment wrappers, strategies available and how they could be suitable for each individual client. We seek to maximise clients’ personal allowances and basic rate tax bands to ensure they pay, when appropriate, lower rates of tax. In addition, by careful utilisation of their Capital Gains Tax (CGT) annual exemptions, tax payments can potentially be mitigated.

Tax efficient investment wrappers include:

  • Pensions
  • Individual Savings Accounts (ISA)
  • Onshore & Offshore Investment Bonds
  • Enterprise Investment Schemes (EIS)
  • Venture Capital Trusts (VCTs)
  • National Savings
  • Collective Investment Schemes (OEICs, Unit Trusts, Investment Trusts)

LFWM considers each client on an individual basis, including their current tax status and spouse allowances along with Inheritance Tax (IHT) planning strategies.

Some aspects of inheritance tax planning and National Savings & Investments are not regulated by the Financial Conduct Authority.