Tax Planning and Wealth Management
Whether you want to grow or preserve your wealth, tax can be one of the biggest obstacles between you and your financial goals.
Tax planning is a core part of wealth management and aims to overcome that obstacle.
At a high level, tax planning minimises your tax burden and maximises your money’s potential—but the details can be complex.
This guide explains how wealth and tax management work together, where value is created and the practical strategies to consider.
What is wealth management?
Before tax management, it helps to understand the wider context of wealth management.
Unlike narrow financial advice services, wealth management is holistic—supporting multiple areas of your finances rather than a single topic.
It’s common among high-net-worth individuals, but anyone with complex needs can benefit.
To go deeper, see our guide to wealth management.
What is tax management?
Wealth management seeks to grow and protect wealth; tax directly affects both. That’s why tax planning and wealth management go hand in hand.
Tax planning analyses your situation and structures assets efficiently so you keep more of what you earn.
Typical focus areas include:
- Income tax
- Inheritance tax
- Capital Gains Tax
The importance of wealth and tax management
From growth to preservation and succession, tax can materially change outcomes—good planning matters.
Maximising your investment earnings
Diversification and sound portfolio design are essential, but tax structure also influences your net returns.
Review wrappers and asset location to optimise the after-tax result across your investment portfolio.
Optimise your estate planning
Tools such as gifting, trusts and life insurance can smooth transfers and help reduce liabilities for your beneficiaries.
Overcome complex tax laws
HNWIs and expats often face multi-jurisdiction rules. Coordinated planning keeps you efficient and compliant.
Financial planning with Holborn?
Holborn can help you make way more money than you have now.
Strategies for effective wealth and tax management
Here are practical levers to consider with your adviser:
Tax-deferral strategies
Use tax-efficient wrappers where suitable, such as ISAs, and consider pension contributions as part of your long-term plan.
See the latest rules from trusted sources before acting.
Tax-free investment options
Hold eligible assets in tax-sheltered accounts where gains and income can be protected within the wrapper’s rules.
Tax-loss harvesting
Realise losses to offset gains where appropriate. Only net gains are typically subject to CGT.
Use annual allowances
Time disposals to align with CGT allowances and other annual thresholds when relevant.
Charitable contributions
Planned giving (including donor-advised funds or charitable trusts) can provide meaningful impact and tax benefits.
Estate planning
Structure your estate with tools such as gifting and trusts where suitable.
- Reversionary trusts
- Annuity trusts
- Irrevocable trust
Wealth management and tax planning with our services
Tax planning is central to effective wealth management and requires careful attention to rules and wrappers.
Holborn Assets delivers tailored, end-to-end support so your money is in the right place at the right time.
We work to reduce liabilities and enhance after-tax outcomes while aligning with your goals.
Book a free, no-obligation meeting and see how we can help.
