COURTIERS - Private Client Wealth Management Services

The burden of tax
on your wealth

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Tax mitigation

Tax can be a real drain on your wealth. With COURTIERS you can expect the finest financial tax counsel to mitigate the effects of tax on your wealth.

COURTIERS specialist wealth management advisers, backed by our global network of tax experts, use a range of tax mitigation measures. Taking account of your current circumstances and financial objectives, your COURTIERS wealth manager will design, tailor and implement a personal financial wealth management strategy to hold your investments in the most tax efficient environment to mitigate:

Income Tax


Below are a few of the approaches we use to mitigate Income Tax:

Maximise your personal allowances

Ensure spouses' or civil partners' personal allowances are utilised

Make use of personal Individual Savings Account (ISA) allowances

Utilise pension contribution allowances

Income tax is payable in respect of taxable income arising during a tax year (year ending 5th April).

An individual’s liability to UK income tax depends on residence and domesticity. Once a person’s taxable income has been calculated, the amount chargeable to tax may be reduced by any reliefs and allowances the taxpayer is entitled to. The eventual tax rate charged will vary according to the source of the income and an individual’s total income and allowances.

Capital Gains Tax


Below are a few of the approaches we use to mitigate CGT:

Utilise personal CGT allowance

Utilise previous year’s losses

Ensure spouses' or civil partners' CGT allowances are utilised

Utilise Individual Savings Account (ISA) allowances

Capital Gains Tax (CGT) is payable by an individual when a chargeable gain arises from the disposal of a capital asset if the disposal proceeds exceed the allowable expenditure. A capital loss will arise where the proceeds are less than the allowable expenditure.

A person, who is not exempt and is resident in the UK, is liable to CGT. However, the extent of an individual’s liability to CGT depends on residence and domesticity.

An individual’s net taxable gain may be reduced by their annual CGT allowance and any losses bought forward from earlier years. An individual is only liable to CGT if their chargeable gain less losses in the tax year exceeds their annual CGT allowance plus any losses bought forward from earlier years.

Inheritance Tax


Below are a few of the approaches we use to mitigate IHT:

Make a Will

Make gifts out of income

Utilise annual allowances

Utilise trusts

Inheritance Tax (IHT) is a tax on a transfer of property by an individual either during their lifetime or on death. It can also be charged on property held in a trust or owned by a closed company.

Individuals who are domiciled in the UK are liable to IHT on their worldwide assets. Non-UK domiciled individuals are only subject to IHT on property located in the UK.

There are a number of reliefs available which either reduce the amount of a transfer value or the amount of IHT due. IHT is a cumulative tax, which means that at the date of each transfer (or date of death) any transfers in the previous 7 years must be taken into account. For each tax year there is a nil rate band and the excess over that amount is subject to IHT.

Corporation Tax


Below are a few of the approaches we use to mitigate CT & Employer’s National Insurance Contributions:

Utilise pension contribution allowances

Make dividend payments where applicable

Utilise salary exchange for pension contributions

A company is liable to Corporation Tax (CT) if it carries out a business activity which produces income or chargeable gains, and it is either UK resident or Non-UK resident, but carrying on a UK trade through a permanent establishment.

The definition of a company includes any body corporate or unincorporated association. Partnerships are specially excluded.

The type of tax due on a company’s chargeable profits differs depending on whether the company is resident in the UK or outside the UK.

We can also help guide you to achieve any wishes you may have for others to benefit from your wealth. Whether you wish to pass some of your wealth to family members, charities or another recipient, your wealth management adviser will guide you to the most tax efficient strategy, maximising the percentage of your wealth that makes it to the intended destination.

If you believe that you could benefit from becoming a COURTIERS client, call 01491 578368, request a call back or enquire to arrange a meeting with a wealth management adviser.

As a client you will be allocated a personal wealth management adviser dedicated to understanding your aspirations and shaping COURTIERS to
meet your individual needs.

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