Tax efficient investment planning

Investment planning is all about using financial resources to achieve your lifetime objectives. At Unividual we look at enhancing your future wealth by generating income and capital growth, strengthening your investment portfolio and reducing your tax liability.

Types of investments

There are thousands of different investments. To name a few, you might be interested in growth investments, shares, property, cash, bonds and stocks and shares ISAs, which invest in corporate bonds. Stocks and shares and other assets fluctuate in value. If you are looking to invest, it is important to decide whether you are looking to invest for income, growth, or for both. You will have to think through a number of considerations, such as how long you want to invest for, when you need access to the money and what level of risk you are prepared to take. Wealth management is not just investment advice; it works hand-in-hand with retirement planning, estate planning and more. This holistic approach means our clients have a single professional coordinating the services needed to plan for the here and now, as well as for the future. We look at how to maintain and increase wealth based on our clients’ goals and attitude to risk and we develop this over time with regular reviews.

Ongoing management

Reviewing your investments is crucial. Not only will your own circumstances and attitude to risk change – the market conditions are also variable. Your adviser will conduct annual reviews to ensure your investments are still working for you and achieving what you want. Objectives vary from client to client as everyone is unique and individual. You will have medium and long-term objectives as you work towards retirement and beyond. From holidays, house extensions through to cars, saving for retirement or ensuring you pass on your wealth, Unividual will work with you to ensure you have the tools in place to reach your aspirations.

Tax-effective strategies

Tax planning is one of the most vital parts of financial planning because it is the way in which you can mitigate your tax liability. Unividual is not authorised to advise on tax and the Financial Conduct Authority does not regulate taxation advice. Accountants advise on tax; Unividual will ensure you do not pay any more tax than you should. We will take the time to look at a number of different factors like income, expenses, savings, investments and pensions, to ensure they work together. Together we will maximise reliefs and allowances whilst reducing the amount of money lost to taxes. Tax is complicated, with an enormous number of rules and regulations, so it is best to seek advice on the best way forward. Especially if you are a business owner, it is essential you have a good financial planner and accountant working together to achieve what you need.

How much money do I need to start investing?

Wealth management doesn’t have to be complicated to start with. For a start, the contributions you pay into your pension will benefit from tax relief and ISAs are tax-efficient investments. You pay no income tax on the interest and any profits from investments are free of capital gains tax. Our advice is always to focus not on what you can afford to save, but what your objectives are. This approach will ensure that you find the cash to inject into the development of a better financial future.


The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Get in touch

The information collected will be used solely for the purposes of providing background information when contacting you to arrange an appointment.