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Avoid making your journey too taxing
Avoid making your journey too taxing
Portfolios need to take into consideration the tax vehicle within which they may be invested. For instance, different investments are allowed within investment bonds than there are within ISAs, some investments are more suitable to higher rate tax-payers and others to non-tax-payers. We endeavour to ensure that we take advantage of your individual tax position when building a portfolio of investments.

Different asset types will suit different tax situations and should be considered during financial planning discussions. You should ensure that you utilise all of the allowances available to you, including your annual Capital Gains Tax and ISA allowances.

Other tax wrappers to consider are pensions and offshore bonds. Pensions have a similar tax status as ISAs, with the additional benefit of tax relief on contributions. However, unlike an ISA, when you draw an income, you may be subject to income tax at your marginal rate.

  Investment bonds provide an opportunity to defer the payment of tax to a more suitable time. If you were seeking to set up a trust investment, the nature of investment bonds provides considerable tax advantages to trustees.

Financial Planning Services
Complementary to being your Wealth Manager, we also offer a range of financial planning services to ensure that your investments are co-ordinated with your financial planning objectives.

These include;

  • Estate & Inheritance tax planning
  • Pre-retirement pension planning
  • Post-retirement pension income options
  • Long term care planning & Nursing home fees
  • Personal protection plans

IFA Cheltenham
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Independent Financial Advisor Exeter Independent Financial Advisor Exeter Independent Financial Advisor Exeter
Contact our offices for investment advice and planning
Colyton Offices
The Mews, Queens Street, Colyton, Devon, EX24 6JU
Tel: 01404 598 168 
Exmouth Offices
32 Rolle Street, Exmouth,
Devon EX8 2SH
Tel: 01395 207 350
Exeter Offices
Briar House, Clyst Honiton, Exeter, Devon, EX5 2LZ
Tel: 01404 598 168
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Financial Advisor Exeter
Raymond James Investment Services Limited is a member of the London Stock Exchange and is authorised and regulated by the Financial Conduct Authority (Updated 13/09/2018). Registered in England and Wales No. 3779657. Registered office: Broadwalk House 5 Appold Street London EC2A2AG. | RAYMOND JAMES is a registered trademark of Raymond James Financial, Inc. | Legal Disclosures
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