How we can help

Tax

Having a high-net-worth brings particular challenges. One of these is a greater exposure to tax. Most people would like to reduce their tax burden and keep more of their money for their family’s benefit.

With our Tax Optimisation Strategy, we aim to do just that. By helping you plan your wealth over your lifetime, we can achieve the maximum return on your assets while minimising the amount of tax you pay.

An introduction to tax and pensions An introduction to pension choices

Ways of reducing your tax burden include:

  • Making full use of your ISA, interest and dividend allowances
  • Taking advantage of your capital gains tax exemption
  • Using the tax relief you get when making pension contributions
  • Considering non-contentious offshore investments
  • Securing the tax concessions available under Enterprise Investment Schemes and Venture Capital Trusts
  • Reducing the value of your estate to reduce inheritance tax

Helping you to reduce your tax bill

Effective tax planning is an important step for any high-net-worth individual. Especially when you consider that without the right plans in place, your capital can be substantially eroded.

We work with you to assess your financial position and advise how to make optimal use of the tax-free allowances available to you. Simple but effective income tax planning steps can include using ISAs or transferring savings to your spouse to eliminate or reduce income tax and capital gains tax. Or putting as much as possible into your pension plan and making the right investment choices.

We don’t just give you a plan and leave it with you. Our tax optimisation approach is ongoing – taking into account your financial goals and reflecting any changes in your circumstances. It’s also designed so that when you retire, your assets will be structured so that your income and capital draw the lowest possible rates of taxation.

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Guiding you to financial freedom

Our aim is to help you accumulate and plan your wealth to achieve financial freedom in life.
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Together, we make financial freedom simple.

As truly independent advisers, we don’t have in-house products we have to sell. And we don’t limit our advisers to specific financial solutions. Instead, we give them the freedom, knowledge and resources to recommend what’s best for each client so they can ensure the best possible outcomes.

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We have been very happy with the service we have received from PWM. We have always had clear and proactive advice in a timely manner. The staff are very friendly and helpful and respond to any points raised by us and are always available to talk through any issues which we may have”

Retired Partner, Magic Circle Law Firm

We have collaborated with Duncan and PWM for many years. Client feedback has always been exemplary, and we are always impressed by Duncan’s creative and collaborative approach. Duncan and PWM would always be our first choice of financial planner due to his extensive knowledge and PWM’s true independence.”

Alexandra Gordon
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We have built up such a strong relationship with you, based on mutual trust, professionalism, dedication and the strongest of product and market knowledge and you had never let us down. Your integrity, honesty, caring and positive approach served us well in the past and continues to do so today.”

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Brett has advised me very soundly for 10 years. He’s comprehensively across the big stuff that can blow holes in financial wealth if not spotted. He also provides excellent continuing client focus and service. Delighted to be a client of his.”

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PWM have always shown great integrity in all my dealings with them.”

Head of UK & Global Credit

We wanted sustainable fossil-fuel free investments but it is difficult at present to pick something off the shelf. We were therefore pleased that with advice from Nathan at PWM, we have been able to implement a portfolio that maintains diversity and meets our objectives."”

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