Your Tax Optimisation Strategy

Making the most of your contributions in the most tax-efficient way

Securing your portfolio – both now and in the future

We’re focussed on keeping your investments as tax efficient as possible, both now and in the future. and we aim to do this by implementing your financial plan using our Tax Optimisation Strategy. We’ll help you manage your retirement income effectively, working towards an overall tax rate in the low-single figures.

Below are some examples of how we can boost your wealth building with tax-efficient strategies.

	Wrapper Advantage	Tax Outcome
Bank Deposits	Create a deposit reserve leveraging your and your family’s Personal Savings Allowance (PSA)	0% Income Tax on £2,000 across a married couple/civil partners 0% Income Tax on £500 for Higher rate taxpayers
Pension Contributions	Receive up to the highest marginal rate of Income Tax relief Achieve tax-free investment roll-up in pensions Consider spouse’s and children’s pension allowances	0% Income Tax on quarter of fund Low marginal rate on further income
ISA Contributions	Utilise your and your partner’s annual ISA allowances Consider Junior ISA for children and grandchildren	0% Income Tax 0% Capital Gains Tax
Capital Gains & Dividend Allowances	Create a portfolio to take advantage of Capital Gains Tax allowances and dividend allowances Consider funds over portfolios to control the timing of gain realisation	0% Capital Gains Tax on Annual Allowance 0% Tax in the Dividend Allowance
Offshore Investment	Enjoy long-term compound growth without Capital Gains or dividends tax within an ofshore bond Useful for higher rate taxpayers while earning, and for lower rate taxpayers at a later stage, and potentially especially helpful for those who may retire outside the UK	0% Tax on return of 5% pa capital. Income Tax on remainder if remitted. Often at lower rates in retirement
EIS/SEIS/VCT	Access tax-advantageous Private Equity investment Capital Gains Tax relief and deferment Inheritance Tax (IHT) relief	0% Tax on Capital Gains and on dividends (VCT) Income Tax relief of 30% to 50%

Tax treatment depends on your individual circumstances and may be subject to change in future. Not all service lines are regulated by the Financial Conduct Authority. Access to Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs), Seed Enterprise Investment Schemes (SEISs) and Offshore structures are subject to individuals meeting the minimum regulatory thresholds, which may be subject to change. EIS and VCTs are higher-risk investments, so they might not be suitable for everyone and therefore it’s important to seek financial advice.

Four steps to financial freedom

How 7IM helps you to reach your financial freedom:

Our Lifetime Wealth Model

Our tried and tested model is here to help you understand your financial future.

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Your Tax Optimisation Strategy

Making the most of your contributions in the most tax efficient way.

7IM Family Office

Your one stop shop for managing your family’s wealth.

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Investment Excellence

Creating exceptional wealth plans for every single client.

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We would love to help your Tax Optimisation Strategy

If you would like further information regarding your Tax Optimisation Strategy or the Wealth Management 360° Service at 7IM, please use the details below, and we’ll be happy to help.