Lifetime Tax Planning Services

Experienced Team

Tested knowledge

Independent Advice

Free from external influence

Clear Communicators

Empowering informed decisions

Client-Orientated

Attentive service

Banner Tfm Financial Advisors Surrey (11)

Planning for your future

This means evaluating your current assets and tax position, and helping you understand the strategies open to you to optimise your arrangements. 

In the process, we also take into account key tax considerations, including Income Tax, Capital Gains Tax, and Inheritance Tax, to ensure the most efficient approach.

Lifetime Tax Planning Case Study

The problem- Executive Remuneration:

Client WV, an additional rate taxpayer, was very conscious of the burden of 45% income tax, deducted from his salary through the Pay as You Earn System.

WV is married with children, and their spouse is a non-taxpayer.

They wanted advice on how to legitimately save tax to create more wealth for the family, in preference to passively suffering tax at 45%.

The solution:

TFM was able to explain a suite of different options for tax-management, and help the family evaluate the advantages and disadvantages.

Having discussed the available allowances and reliefs, WV was able to secure tax efficiencies by using allowances for his spouse, and children, as well as his own. 

The outcome was a substantial tax saving to offset the burden imposed through PAYE.

“I was looking to remortgage to buy another property intented as a long term investment.

Greg was a tremendous support to me during this daunting process. He took time to listen and understand my long term goals of investing in property for my future. He was knowledgeable and was able to discuss alternative investment options with me to ensure I was making decisions. He helped me weigh up the pros and cons of available options. Once I decided on property investment, he was able to guide me through the remortgage minefield and was thorough in his explanations of different products. Again this was immensely useful in finding a suitable product tailored to my circumstances and needs.

I’ve now purchased my second investment property and feel more secure about my future.

The service Greg provided was truly faultless! I appreciated the attention to detail and personal touch of working with a family man who genuinely cared.

Client from Surrey

You never bulls*it me, and I always get consistent advice.

D.W, Kent.

“We had recently sold our business and I was looking for some financial advice regarding pensions, investments and savings.

By introducing tax efficient investments and investment ISA’s, consolidating several pensions I had into one fund and providing safe, low risk investment opportunities for the funds that I was looking to utilise.

Despite the volatility of the stock market we have been very pleased with the progress to date of the various investments. The tax benefits of the VCT and EIS investments certainly helped to mitigate the capital tax charges following the sale of the business.”

Client from Essex

“Now was the time to step up my pre-retirement planning and with the complexities of pensions and planning for this critical stage in my life having a professional to guide me was essential.”

Client from Surrey

“Thanks again for your financial planning and nous that has got me to the point where I can think seriously about a decent standard of living in retirement. I really didn’t think that was ever likely to happen and it certainly wouldn’t without your direction.”

D.W. Bucks.

“Taylormade Financial Management has been of huge assistance to me in organising my various financial affairs, including pensions and investments in a tax efficient manner. I would strongly recommend Taylormade for a bespoke, professional and impartial service”

D. L. Essex

“I had a number of pensions that I wanted to consolidate in preparation for retirement. I also needed to assess how much income I could generate from pensions and how my other investment could add to retirement income.

I now have a small consolidated portfolio invested in drawdown and a stocks and shares ISA with which I am willing to take more risks. Greg understands that I like to manage my own portfolio and regularly discusses the economy and different investment options related to my risk profile. He guides my investment rather than doing it all for me. He has also helped me to secure mortgages on investment properties.”

Client from Surrey

“I had been recently widowed and I needed to consider my future and wasn’t sure where I was going financially.

Greg met with me and went over my circumstances and thoughts for the future. We discussed my options, where I wanted to be and when, he then came back with a flexible and workable plan.

I am now in a position where I feel less unsure about the future and comfortable that I can now make those important life changing decisions when I am ready.”

Client from Surrey

About 8 years ago I turned up at Taylormade’s offices with a box of files from pensions to investments and said ‘help’.  Greg walked me through the procedures and the journey I would embark on to help me achieve my financial goals.    I would have no problem in recommending their services

S.D. London

“You are the only person I know who can make pensions sound interesting.”

N.F. Kent

“Initially we needed to remortgage, Greg and his team were extremely helpful throughout this process. We then approached Greg to give us advice on our current pensions and arrange for a savings and investment review, again the professionalism and expertise were second to none.

His team found us a very competitive mortgage, the advice and information was superb. Gregs help with our pensions has been superlative, he has explained exactly how he can help and has kept us up to date with any and all details.”

Client from Surrey

“We recommended (she) spoke to you about her pensions after the amazing job you did for us and continue to do with our savings.”

S.R. Middlesex

“I needed to combine several pensions into one place and pent several hours over a couple of weeks advising me of my options while taking care to listen to all my needs.”

Client in Kent

“I needed advice on my mortgage, pension and savings.

I had two mortgages, one of which had an endowment that wasn’t going to pay anywhere enough to cover the outstanding balance. Greg was a great help and offered sound advice. Greg has also handled my pension for a number of years and has given great advice with regards to my savings. I didn’t want to be too risky and the options he offered were perfect.

Following Greg’s advice I have now cleared my one of my mortgages and am well on the way to clearing the other one early. My pensions and savings are all doing well.”

Client in Surrey

“Greg has helped me over the years with a range of financial advice: pension, investments following the sale of property, and planning for the future.”

Client from London

Helping clients to understand the various taxes they face individually is an important part of our brief, as is helping clients to understand how they interact with one another.  Tax management is a contributing factor to long-term growth: why pay more tax than is necessary?

Making sure you are aware of the allowances and reliefs available to you, and being as efficient as possible is a simple premise, but a valuable one.

Matching the right investment strategy with the right tax management strategy enhances long-term growth potential.

Arrange a no-obligation chat

If you would like to discuss your needs and how we can help you, do reach out.  We can offer you a confidential discussion with no obligation, in person or via video call.