Tax liabilities can be costly, but with careful planning, you can make more informed decisions about your finances and use the allowances and reliefs available to you. At Attivo, we’ll help you look at the bigger picture, understand your options and build tax efficiency into your wider financial plan.
Am I making the most of my tax allowances? Could I reduce the tax I pay on my income, savings or investments? How can I structure my finances more efficiently for the future?
Tax planning should be part of every financial planning strategy. Whether you’re investing, saving for retirement, selling assets or thinking about how to pass wealth on to loved ones, taking a proactive approach can help you make the most of your money, and plan with greater clarity.
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We’ll start by understanding your goals, income, savings, investments and wider financial arrangements, so we can see where tax planning could support your overall strategy.
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We’ll help you understand which tax allowances, reliefs and exemptions may be available to you, from ISAs and pensions to capital gains tax planning and charitable giving, and how you could improve your current tax situation overall.
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Our independent Financial Planners will look at how your assets and investments are held, helping you make informed decisions about how to reduce unnecessary tax where possible.
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We’ll consider how tax planning fits into your longer-term goals, including retirement income, investment growth, inheritance planning and drawing on your wealth tax-efficiently.
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Tax rules, legislation and your personal circumstances can change over time. We’ll review your plan regularly and help you adapt your strategy so it continues to reflect your needs.
By working with Attivo, you’ll have support from independent Financial Planners who take a fully comprehensive view of your finances. We’re not tied to specific products or providers, so we can shape our recommendations around your circumstances, goals, and what’s right for you.
Hear from our clients about how our estate planning and inheritance tax services have supported them over the years:
“My planner Joe Bergin has made tax planning so straightforward, advising me on how to access my pension and arranging life cover to manage my IHT bill, as well as sorting out gifting funds for my children. He’s also helped me set up investment funds for my grandchildren – it’s great to know that I’ll be providing security for my family when I’m no longer here!”
– Alec Adams, Attivo client
“I’m very fortunate to have had the support of Joe Bergin, my financial planner at Attivo, over the last year. In that short amount of time, Joe has arranged life cover to cover some of my inheritance tax bill and set up a retirement mortgage for me as part of my overall inheritance tax strategy.”
– Laurence Gilford, Attivo client
Explore our latest tax planning insights and resources to help you understand the opportunities available and the areas you may want to consider.
Download our free, comprehensive guide to discover how tax planning means more freedom, more flexibility and more of your money working for you.
See how income, capital and legacy planning can help you take a more proactive approach at the start of a tax year.
Learn how careful use of ISAs, investments and pensions could help you structure your finances more tax-efficiently.
Review key tax changes from the 2025/26 tax year and what they could mean for individuals, investors and business owners.
The tax you pay depends on your circumstances. You may pay Income Tax or National Insurance on earnings, Capital Gains Tax when selling certain assets, Dividend or Income Tax on investment income, Inheritance Tax on your estate, or Stamp Duty Land Tax when buying property.
Your Personal Allowance is the amount of income you can usually earn each tax year before paying Income Tax. The standard Personal Allowance is currently £12,570, but this can reduce if your income is above £100,000. Tax rules can change, so it’s worth checking how the allowance applies to your circumstances each tax year.
High earners may face higher Income Tax rates, a reduced Personal Allowance, limits on pension contributions, and tax on savings, investments, dividends or capital gains. Tax planning can help you understand which rules apply and how to use available allowances effectively.
The 60% tax trap can affect people in England, Wales and Northern Ireland with income between £100,000 and £125,140. In Scotland, this could be higher for some. As your Personal Allowance reduces, some income can effectively be taxed at 60% before other taxes are considered. Tax planning can help you understand whether this applies to you and explore ways to reduce the impact.
There may be several ways to reduce the tax you pay, depending on your circumstances. This could include using allowances effectively, making the most of ISAs and pensions, and planning carefully before selling assets that may create a capital gain.
Tax planning can help you make the most of your retirement savings and income. By using pensions, ISAs and allowances effectively, you may be able to grow your wealth more tax-efficiently and plan how to access income in later life.
It’s never too early to start. Reviewing your finances regularly can help you make use of allowances, plan for key life events and adapt your strategy when your circumstances or tax rules change.
If you’re ready to take a smarter, more proactive approach to tax planning, arrange your free, no-obligation consultation with our team at a time and place to suit you.
If you do decide to become an Attivo client, charges may apply – these will be explained before you commit.