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Case study – Building a tax efficient investment portfolio

By January 12, 2015February 12th, 2019No Comments

The situation

Upon disposal of his business, Steve accumulated a capital lump sum. He needed to make a transition from a position of regular income and full time employment into retirement. Advice was needed to consider restructuring his financial affairs to ensure both a regular income and capital appreciation.

In addition, careful consideration was required to ensure his financial plan took into account his potential current and future tax liabilities.

The solution

A full review of all his finances was undertaken, uncovering a number of pensions, investments and insurances that had been neglected. These were appraised and, where appropriate, restructured as part of the overall plan.

We identified with Steve a risk targeted investment solution aimed at generating the net monthly income he required, whilst clearly focusing upon managing portfolio risk, capital return and minimising liabilities to income, capital gains and inheritance taxes.

The results

Steve now has full confidence that his financial affairs are being professionally managed, enabling him to enjoy his retirement without worrying about his finances.

Providing financial peace of mind, we now meet every six months, actively managing Steve’s financial plan and catering for any changes to his personal circumstances. In addition to being available to Steve as required, we also contact him on a regular basis, keeping him informed and updating him with information relevant to his circumstances.

We are delighted that Steve appreciates the value of our relationship and the work we do. We have now started to work with his children, helping them plan for their financial futures as they start their respective careers.