4-Box Approach

Helping you work towards your financial goals is not just about maximising investment returns but also about minimising tax payments and controlling costs. Capital growth should not be considered as the only aspiration: not having the right tax strategy in place can erode your capital very quickly as can uncompetitive charges.

We work with many clients and their families who have complex financial situations, particularly with regard to retirement and estate planning challenges faced by high net worth clients.

We will focus on all of these areas and at the heart of what we do is structuring your assets to mitigate your tax burden and maximise your return. Effective wealth planning is therefore a three tier process that involves:
  • Looking at all the tax relief opportunities available to you, such as your spouse’s and children’s allowances, pensions, ISAs, capital gains allowances, dividend tax allowances, offshore investments, Enterprise Investment Schemes (EIS), Venture Capital Trusts (VCT)
  • Organising investments into competitively priced products and ‘wrappers’.
  • Underpinned by an investment strategy tailored to your circumstances.
  • Tax relief on contributions
  • Tax free growth
  • 25% tax free lump sum from retirement age
  • Balance provides a taxable income
  • Funds accessible from age 55
  • No minimum age to establish a pension
  • Fund can be passed to beneficiary(ies) on death without liability to Inheritance Tax (IHT)
  • Annual Allowance limits the contribution level
  • Lifetime Allowance (LTA) caps the tax efficient fund size
  • Contributions/subscriptions paid from net pay (i.e. no tax relief)
  • Tax free growth
  • Fund can be accessed to provide an income without liability to tax
  • Transferrable to spouse on death. If no spouse then they form part of the estate and are subject to IHT
  • Subscription limited by the annual allowance
  • ISA variations are now available for:
    • Children: ‘Junior ISA’
    • Home Purchase where tax incentive available: ‘Lifetime ISA’
  • No limit on investment amount or fund value
  • No tax relief on investments
  • Growth subject to tax on income (dividend/yield) and capital gains (CGT) but personal allowances available to mitigate CGT and dividend tax
  • Funds accessible any time (but could be subject to tax charges)
  • No limit on investment amount
  • No tax relief on investment
  • Up to 5% per annum of original investment can be withdrawn each year for 20 years (when 100% of original investment would have been returned)
  • 5% withdrawals not taken in any year can be rolled forward
  • Fund grows without liability to income or capital gains tax
  • Tax is ‘deferred’ and any deemed growth on capital after 20 years can be subject to income tax (if UK resident)
  • Growth can be ‘top sliced’ or plan can be assigned to a lower rate tax payer to reduce tax liability

The content of this page is for general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact Kingsbridge Wealth Management Ltd for advice.

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