1. What is tax planning?
Organising finances to minimise liabilities while complying with the law.

2. How can I reduce income tax?
Through allowances, reliefs, and tax-efficient investments.

3. What is capital gains tax?
Tax on profits from selling assets; timing and structure can reduce it.

4. How can I plan for inheritance tax?
Through trusts, gifting, investments and careful estate structuring.

5. Are pensions and ISAs useful?
Yes — they grow tax-efficiently and can reduce taxable income.

6. Can tax planning help business owners?
Yes — strategies can optimise personal and business tax.

7. How often should I review my plan?
Annually or after major financial changes.

8. How do I get started?
Book a consultation to receive personalised tax planning advice.

Tax Mitigation (Legal & Recommended)

This is using legitimate allowances, reliefs, and planning strategies to reduce your tax bill. For example, maximising pension contributions, using ISAs, or structuring investments efficiently. This is fully legal and a core part of responsible financial planning.

Tax Avoidance (Legal but Aggressive)

Tax avoidance uses legal loopholes or contrived arrangements to reduce tax liability. While technically legal, it can be risky, may attract HMRC scrutiny, and can damage reputation. We do not use aggressive avoidance schemes.

Tax Fraud / Evasion (Illegal)

Deliberately providing false information, hiding income, or misrepresenting finances to pay less tax is illegal. Tax fraud carries serious penalties, including fines and criminal prosecution. We always operate strictly within the law.