Many top-rate taxpayers are actually paying more tax than they need to, missing out on higher rate pension tax relief* and not taking steps to reduce inheritance tax. Keeping up with the intricacies of the UK Tax system is challenging. Our financial planners can help you identify the optimal structure to help you grow, preserve and pass on your wealth.

Top tax tips

Our expert financial planners share top tips to ensure you are minimising the tax toll on your finances, helping you to grow, protect and pass on your wealth.
Our expert financial planners share top tips to ensure you are minimising the tax toll on your finances, helping you to grow, protect and pass on your wealth.

Retirement tax tips

Hear from our financial planning team on how you could reduce the impact of tax on your future retirement.
Hear from our financial planning team on how you could reduce the impact of tax on your future retirement.
Let us answer your initial questions

Frequently asked questions

  • Can Tax Planning reduce my tax bill?

    Our financial planners’ main aim is to help you to define your life goals so that they can determine a financial plan to help you to achieve them.

    A key part of that plan is organising your finances in the most efficient way to minimise your tax liabilities, from income tax and IHT to CGT. All of these taxes can eat into your wealth if there isn’t a plan in place to prevent that from happening.

    We use our expertise to identify the exemptions, allowances, reliefs and tax shelters that can legally be used to cut your tax bill and ensure that you are using all of them to the best effect.

    Contact us for a complimentary consultation

  • Why is Tax Planning important?

    Depending on your circumstances, you might have a number of different goals for your wealth. Whether you want to drive growth, provide an income, or simply preserve what you have, tax planning plays an important role in making the most of your assets.

    It’s also a key consideration in passing your wealth on to future generations. Planning early can help to ensure that you reduce your IHT liability and keep as much of your wealth as possible in the family.  

  • Isn't it illegal to pay less tax?

    We provide our clients with rigorous and effective Tax Planning strategies that respect both the principle and the letter of the law. Our aim is to minimise your tax liability and maximise your savings using only allowances and reliefs that meet with the approval of HMRC.

    Our financial planners make sure that you pay your fair share of tax but no more than necessary.

  • Isn’t Tax Planning a matter for my accountant?

    Accountants and financial planners both advise you on aspects of your finances and, indeed, often work closely together. However, there are significant differences in their areas of expertise and in what they are legally entitled to do for you.

    Accountants will help with your bookkeeping and preparing your tax return, but they are not legally permitted to give you advice on how to spend or invest your money.

    Our financial planners, while not tax specialists, can advise you on a range of efficient Tax Planning strategies that will help you to preserve your wealth and make the most of your money.

  • Why should I choose Investec Wealth & Investment (UK)?

    As one of the UK’s leading wealth management companies, Investec Wealth & Investment (UK) is built on the strength of our expertise and our personal relationships with our clients. For almost 200 years our clients have trusted us to meet their needs and we’ve exceeded expectations.

    This is borne out by the findings of our most recent client survey1 in which over 4,000 clients participated, telling us that the level of satisfaction with our financial planning service was above the industry benchmark average.

    Source: 2019 client survey

  • Do I have to pay for an initial consultation?

    Our financial planners would be delighted to meet you personally for a free  initial consultation to discuss your goals and concerns around wealth and tax management. They will talk to you about how we can help make the most of your wealth in the most tax-efficient way with a personalised plan.

    Get in touch

  • How can I find an office near me?

    We have strong local teams with considerable Tax Planning experience in 14 locations throughout the UK including most of the major cities. You can find full details of our locations and individual experts by clicking on the link below.

    Find an office near you

See how Tax Planning could benefit you

We have a team dedicated to supporting people like you. Please get in touch to discuss your financial needs today.


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Investec Wealth & Investment Limited, a subsidiary of Rathbones Group Plc, would like to keep in touch to send you exclusive event invites, market update information, news relevant to you and information about our products and services.

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Investec Wealth & Investment Limited, a subsidiary of Rathbones Group Plc, would like to keep in touch to send you exclusive event invites, market update information, news relevant to you and information about our products and services.

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Investec Wealth & Investment Limited, a subsidiary of Rathbones Group Plc, would like to keep in touch to send you exclusive event invites, market update information, news relevant to you and information about our products and services.

Please confirm if you are happy to receive these communications from us by ticking the box below:

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* Source: Pensionsage.com

 

Important information

The value of investments and the income derived from them can go down as well as up and you may not get back your initial investment.

This site does not offer advice and the content and information about potential investments and services are designed for general use, and so cannot be considered personal to your circumstances or your financial position.

References to taxation are based on our current understanding of the legislation but we do not represent that it is accurate or complete and it should not be relied upon as such. Tax laws are subject to change.

Investec Wealth & Investment (UK) is a trading name of Investec Wealth & Investment Limited which is a subsidiary of Rathbones Group Plc. Investec Wealth & Investment Limited is authorised and regulated by the Financial Conduct Authority and is registered in England. Registered No. 2122340. Registered Office: 30 Gresham Street. London. EC2V 7QN.