Questions?
We have answers.
How can I make the most of tax allowances, bands, and exemptions?
We work with you to ensure you make the most of every available allowance and tax band - including income tax, dividends, capital gains, and gifting exemptions. By planning ahead, we can help you share income and assets within your family in a tax-efficient way and manage your wealth with future generations in mind.
If I’ve maxed out my pension and ISA, what else can I do?
Maximising pensions and ISAs is a strong start, but there are further steps to boost tax efficiency and grow your wealth. We can help you explore options such as making use of annual capital gains tax allowances, investment bonds, or alternative tax-advantaged investments like Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS). Estate planning, or reviewing how your funds are invested for risk and diversification, may also enhance your long-term strategy.
How does Finura help business owners with tax planning?
We create bespoke tax planning strategies for business owners, covering areas like efficient profit extraction, employee benefit planning, succession, and optimising your business structure. Our advice ensures your business finances and personal wealth work together effectively while maximising tax efficiency.
Can gifting my main residence help reduce my inheritance tax bill?
Gifting your main residence can reduce inheritance tax, but it’s essential to follow the rules. If you gift your home and survive for seven years, it may fall outside your taxable estate - provided you also give up the right to live there, or pay market rent if you stay (otherwise, it remains subject to the “gift with reservation of benefit” rules). Inheritance tax planning with property is complex, so we’ll work closely with you and specialist solicitors to ensure any decisions fit current legislation and your wider financial plan.
Can I keep my tax affairs simple and avoid submitting returns to HMRC?
We make tax compliance easy. We’ll help you understand your obligations and, where possible, simplify your finances to minimise paperwork. When returns are required, we act as your advocate, guiding you through each step and ensuring you never miss an opportunity or deadline.
How does a financial planner’s service differ from an accountant’s?
Accountants are experts at preparing tax returns and ensuring compliance. Financial planners, however, focus on proactive, long-term strategies - structuring your wealth in advance to minimise tax liabilities before returns are filed. At Finura, we work alongside your accountant to look forward, optimising your financial position and helping you plan well ahead.
Is everything Finura does within HMRC rules?
Absolutely. We only use strategies and allowances that are fully compliant with UK tax law. Our goal is for you to pay what is due - no more, no less - while making the most of legitimate planning opportunities. We help you navigate the rules with clarity and confidence.
Am I wealthy enough to benefit from tax planning?
Tax planning isn’t just for the ultra-wealthy - it’s relevant for anyone wanting to keep more of their hard-earned money. Whether you’re an individual, business owner, or part of a family, making use of allowances and reliefs can boost your savings over time. Even modest steps add up, and early planning helps you avoid costly mistakes. We tailor strategies to your circumstances, regardless of the size of your wealth.
Do Finura offer banking or portfolio lending?
Yes, through our relationship with Cazenove, part of the Schroders Group, we can facilitate banking and portfolio lending solutions tailored to your financial needs. We also have strong connections with some of London’s oldest and most reputable private banks, ensuring you access to a wide range of trusted lending options.
Does Finura offer family office services?
While we’re not a traditional family office, we do provide many of the core benefits, such as personalised financial planning and holistic wealth management. We don’t directly manage private staff or multiple complex entities, but we can coordinate with trusted experts as needed, offering you a flexible approach to achieve “family office” outcomes without the fixed overheads.