Investment Planning & Tax Efficiency
Unleash Your Wealth Potential with Tax-Efficient Investing at GoddardFry
At GoddardFry Wealth Management, we understand the complexities of navigating the UK tax system while building your wealth. That’s why we champion tax-efficient investment strategies designed to maximise your returns and keep more of your hard-earned money in your pocket. Whether you’re a high-rate taxpayer, navigating restricted pension options, saving towards a child’s education or simply seeking smarter growth, we have solutions tailored to your unique goals.
Unlocking the Power of Financial Products
- Stocks & Shares ISAs: Grow your investments tax-free with ISAs, capitalising on dividends and capital gains without the HMRC bite.
- Investment Bonds (Onshore & Offshore): Enjoy flexible options and potentially attractive returns with a diverse range of onshore and offshore investment bonds, each with distinct tax benefits.
- GIAs (General Investment Accounts): Maintain control and access with a GIA, strategically housing investments like ETFs and index funds with lower ongoing tax liabilities.
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Beyond the Usual Suspects
• Venture Capital Trusts (VCTs): Support smaller UK businesses and startups while receiving income tax relief and potential tax-free dividends.
• Enterprise Investment Schemes (EIS): Access high-growth, early-stage businesses with generous income tax relief and capital gains tax exemption.
• Business Property Relief Schemes (BPRs): Invest in specialist schemes (often pre-approved by HMRC) to benefit from potentially significant inheritance tax relief.
Many ‘cottage industry’ advisers shy away from these types of products due to a lack of understanding and confidence so many investors are missing out, even those with existing advisers.
Benefits for Everyone
• Higher Rate Taxpayers: Reduce your tax burden and accelerate wealth accumulation through strategically utilising tax-advantaged accounts and investments.
• Limited Pension Funding: Build a robust personal portfolio outside traditional pensions, ensuring financial security beyond your retirement date.
• Limit HMRC’s Bill: Why pay more tax than you need to and why not combine that with our excellent panel of quality investment solutions.
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Your Trusted Partners in Wealth Management
We utilise leading investment platforms like Transact, 7IM, P1, and M&G Wealth to ensure your investments are securely managed and readily accessible.
Partner with GoddardFry to achieve your financial goals with tax-efficient finesse.
Contact us today for a personalised consultation and discover how we can help you make your money work smarter, not harder.