The American radio and television broadcaster Arthur Godfrey said: “I am proud to be paying taxes… The only thing is I could be just as proud for half of the money.” In many respects, financial advice is about managing money in the most tax efficient manner, avoiding, where possible, paying large and unneccessary amounts of tax.

The main benefits of our service offering are that we ensure we have a detailed picture of your finances, we gain a clear understanding of your attitude to investment risk and we optimise available reliefs and allowances to ensure your tax liabilities are kept as low as possible.

Despite ever changing legislation, pension schemes still offer excellent tax reliefs on initial contribution, growth within the scheme and at the point that you receive benefits on retirement. Individual Savings Accounts (ISAs) also offer a tax-free environment for your savings, while the prudent use of tax advantaged investments can also have a favourable impact on your annual income tax bill.

In addition, through the annual monitoring of your investment portfolios, we can ensure that your capital can increase without a corresponding liability to capital gains tax.

Inheritance Tax (IHT) has often been referred to as the “voluntary tax” as it is the tax that is levied on those who have failed to plan effectively. At Web.fs we specialise in advising clients on IHT mitigation often by the effective use of trusts. Whether it is advice on an existing trust or the establishment of a new trust, Web.fs is able to guide you through the myriad of complex trust rules and regulations to ensure that you plan effectively and that ultimately your estate passes to your chosen beneficiaries.