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£7.5bn+
assets under advice
20
years working with clients
300+
employees
97%
client retention rate
£7.5bn+
assets under advice
20
years working with clients
300+
employees
97%
client retention rate
Using a pension effectively can significantly reduce your income tax bill due to the reliefs you receive. This is acute for individuals earning over £100,000 as some of their income is taxed at an effective 60% rate. The impact of this can be reversed with pension contributions. Reliefs for a higher rate taxpayer can be the equivalent of up to a 72% return.
Individuals earning in excess of £360,000 who are tapered out of their pension, if appropriate, can also deploy other tax vehicles such as VCTs to receive income tax relief of up to 30%.
By using a method known as the ‘four-box’ principle, you can drastically reduce the tax you pay when you come to access your money.
By diversifying your investments across four core tax wrappers: a pension, an ISA, a general investment account and an offshore bond, you can draw income from each to take advantage of all the allowances available to you. If this is done effectively, many people can access all of their income completely tax free!
An example of a client accessing £85,000 annually tax free using this method can be found here
By building a cash flow plan with an adviser, you can determine how much you need fund your lifestyle. You can then put a plan in place to reduce the inheritance tax bill on the remainder. There are many methods to achieve this such as regular gifting, trusts and insurance policies.
Your tax planning and investment management should work in tandem and compliment each other. Successful tax planning has the potential to produce returns far greater than just investing. Regardless, investing your money effectively is key to maximising your wealth.
Expertise across a broad range of asset classes is important and managing risk becomes particularly vital when you come to access your money.
Contact us today to discuss how we can help you.
Alternatively, you can call us on 01489 663700 (Open Mon-Fri, 9am – 5pm)
Saltus Financial Planning is a ‘Chartered’ financial planning firm. It is a recognition provided to only a small number of firms that are at the forefront of our profession.
Achieving Chartered status means that we have met the highest standards for technical competence in the advice we provide to clients. It also demonstrates our dedication to continued professional development and shows that our clients are at the heart of everything we do.
We have been helping our clients reduce their tax burden for almost 20 years. Not only do we have an award-winning team of advisers that are experts in tax-efficient structuring, but we also have some of the country’s foremost pension experts on the team.
As an independent financial planning firm, we are able to provide objective advice that is aligned with your best interests. We can offer the best of both worlds, either selecting from in-house investment strategies managed by Saltus Asset Management or from an alternative provider, depending on your objectives.
The Saltus Asset Management team have a long track record of producing superior risk-adjusted returns. This has been in part due to consistently identifying managers who outperform their benchmarks.
You’ll be working with a highly qualified financial planner to build your tax-efficient investment strategy. They have everything at their fingertips to provide what you might need to support your financial journey:
Our financial planning services can help you achieve your goals in life, whether it’s planning for retirement, consolidating your assets or investing your money…
The more tax you pay, the harder your investments must work to grow your wealth. Our advisers can provide practical advice to help reduce your tax bill. Get in touch to discuss how we can help you.
Contact us today to discuss how we can help you.
Alternatively, you can call us on 01489 663700 (Open Mon-Fri, 9am – 5pm)
Watch the below testimonials from Saltus clients to hear what it's like to be one of our clients and how we have helped others like you...
We work with individuals from all walks of life and have a diverse client list consisting of people from professional backgrounds (including senior executives, entrepreneurs, lawyers, accountants, consultants and others) and non-professional backgrounds alike.
We typically work with clients with £250,000 or more in investable assets.
This has to be one of the most common questions we are asked as financial planners. The reality is that everyone is different. We’ll take the time to analyse what you spend now, and how this may change in retirement to help provide you with a precise answer. We have written an article on the subject, if you’d like to find out more
We work in partnership with our clients and can take care of all your needs in one place, all supported by industry leading technology.
As well as surrounding you with a team of highly qualified individuals, we have our own platform, can provide the tax wrappers you require, source investment solutions from the wider market or from our award-winning asset management team, and review your protection needs to ensure your family are looked after should the worst happen.
Once you have contacted us, we’ll have an initial discussion to understand more about what you are trying to achieve and how your existing assets and investments are structured. We’ll then have some further meetings to garner an in-depth understanding of your requirements and provide you with a report that outlines our recommended financial plan.
There’s no charge for the initial steps. As our plans are bespoke to your objectives, charges will depend on what’s recommended to you. These will be outlined in full before you progress with us.
Contact us today to discuss how we can help you.
Alternatively, you can call us on 01489 663700 (Open Mon-Fri, 9am – 5pm)
Winner
Top 100 Fund Selectors 2024
Winner
Best Places to Work 2024
Winner
Best Financial Advisers to Work For
Finalist
Investment Performance
Winner
Top 100 Fund Selectors 2024
Winner
Best Places to Work 2024
Winner
Best Financial Advisers to Work For
Finalist
Investment Performance
£7.5bn+
assets under advice
20
years working with clients
300+
employees
97%
client retention rate
£7.5bn+
assets under advice
20
years working with clients
300+
employees
97%
client retention rate
Saltus Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Information is correct to the best of our understanding as at the date of publication. Nothing within this content is intended as, or can be relied upon, as financial advice. Capital is at risk. You may get back less than you invested. Tax rules may change and the value of tax reliefs depends on your individual circumstances.
Contact us today to discuss how we can help you.
Alternatively, you can call us on 01489 663700 (Open Mon-Fri, 9am – 5pm)