Tax Planning

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No one likes to pay tax on their hard-earned money but few actually understand the intricacies of the UK tax system. A trusted Financial Planner can give you expert help in navigating the complexities, identifying the best tax structures to preserve your wealth. By getting to know you and understanding your goals, we can get a clear idea of which tax reliefs and allowances you’re entitled to. From minimising your income tax to keeping a watchful eye on any capital gains, we will plan your investments efficiently, so you save money and don’t pay any more tax than is necessary.

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You can send us a message, find an office near you, or call us directly. We’re here to help you.

Higher rate tax-payers in the UK are missing out on £769 million each year in unclaimed pension tax relief alone.

* PensionBee, 2020

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Our areas of expertise

  • Tax structures

    With literally hundreds of reliefs available and a constantly changing rulebook, the key to tax-efficiency is finding the best tax arrangements for you as an individual. We find the most effective combination of tax structures – from ISAs and investment bonds to pensions – to suit your personal circumstances and minimise your tax bill.

    Inheritance Tax

    Each family’s circumstances are unique, but everyone wants to make the transfer of wealth from one generation to the next as smooth and tax-efficient as possible.

    We use a combination of proven and effective strategies – including gifting, trusts, pensions and reliefs – advising you on the best options and tailoring them to your specific requirements.

    Capital Gains Tax

    It may be a nice problem to have but if your investments are performing well, you could find yourself facing a substantial Capital Gains Tax (CGT) bill on your profits. While CGT is one of the more complicated taxes, it also offers many reliefs and exemptions.

    We guide you through the maze of tax mitigation strategies to find the ones that work best for your personal circumstances, saving you money in the process.

Start planning today

See how Investec can help you plan for your ideal future.

How we make your finances tax-efficient

The goal of Tax Planning is simply to arrange your financial affairs as efficiently as possible so you and your family pay the minimum amount of tax necessary. That may sound intimidating, but our expert Financial Planners can build a tailored solution around your needs and take care of the complexities on your behalf. Here is how the process works.

  1. Step One

    Understanding your current situation

    We will sit down with you to map out all your sources of income, savings and investments as well as getting an understanding of your debts and regular expenditure. This will give you and us a clear picture of what shape your finances are in as things currently stand.

  2. Step Two

    Identifying opportunities for efficiency

    When we have a clear view of how your finances are currently structured, we will use our expertise and knowledge to establish opportunities to reduce your tax burden, in areas such as income tax, CGT and Inheritance Tax (IHT), by organising your money in a much more efficient fashion.

  3. Step Three

    Implementing your personal plan

    Now that we have identified areas where you can save money and reduce your liabilities, with your approval we will put in place the tax structures – from tax-efficient investment wrappers, to schemes, trusts and shelters – that will preserve more of your wealth for you and your family.

  4. Step Four

    Continually reviewing your plan

    Tax legislation is always changing but we are constantly reviewing what’s new so we can provide you with the latest up-to-date strategies and keep your wealth as tax-efficient as possible.

Don’t leave it too late. Act now.

If you would like to have an informal, no obligation conversation or have any questions about Tax Planning, please get in touch.

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Grant, Scotland (name changed to protect anonymity)

Without Investec, it would not have been possible to feel at ease in dealing with our finances ourselves.

Frequently Asked Questions

Still looking for more information? You might find the answer to your question here.

  • Can you cut my tax bill?

    Our Financial Planners’ main aim is to help you define your life goals so they can determine a financial plan to help you 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 happening.


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


    Contact us for a free consultation

  • Isn’t it illegal to try and 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. We use Tax Planning to achieve tax-efficiency. 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 you pay your fair share of tax but no more than necessary.

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

    While Accountants and Financial Planners both advise you on aspects of your finances, and indeed often work closely together, 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 book-keeping 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 tax-efficient strategies to preserve your wealth and allow you to make the most of your money.


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  • Why should I choose Investec Wealth & Investment?

    As one of the UK’s leading wealth management companies, IW&I 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 2019 Client Survey 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.


    See if Investec is right for you

  • Do I have to pay for an initial consultation?

    Our Financial Planners would be delighted to meet you personally for an initial consultation, at our cost, to discuss your goals and concerns around tax. 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 experience in tax planning in 15 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

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You can send us a message, find an office near you or talk to us directly. We’re here to help you.

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Financial Planning explained PDF 2.92 MB

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Understand your current situation, where you want to be, and we’ll help you get there.