Tax planning with Finura

Pay your fair share - no more

Ready to keep more of what you earn? Don’t let complex rules, personal admin or missed allowances cost you more than necessary. We combine expert knowledge with practical advice to help you reduce your tax liabilities - now and in the future.

Tax is a fair part of life, but paying more than you need to isn’t. Our mission is to help you discover legitimate, effective ways to reduce your tax liabilities across income, capital gains, inheritance, corporation tax, and beyond. Then we do the heavy lifting for you

From reactive to proactive

Proactive tax planning means structuring your finances ahead of time to minimise your tax bill – both now and in the future.

We blend our deep tax expertise with your goals to build a flexible plan that adapts to changing government policies and budgets.

Don’t miss out

You can’t avoid paying tax, but you can make sure you’re making full use of the allowances and reliefs available to you. With the complexity of the UK tax system, it’s easy to miss opportunities that could save you money. We’ll help you:

Understand all the tax reliefs and allowances available to you
Structure your wealth and investments to be more tax efficient
Go beyond the basics with strategies like Investment Bonds, Business Property Relief, Venture Capital Trusts, Enterprise Investment Schemes, and Family Investment Companies
Stay on top of reporting and record keeping year after year

Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice. The Financial Conduct Authority does not regulate estate planning or tax planning.

We make it clear and transparent.

We’re unapologetically straightforward – we stick to proven strategies well within HMRC legislation and never push the boundaries. With expert chartered advice, we make sure you claim and pay what’s fair while optimising your income and assets for the best possible tax outcomes.

Plan today for a better tomorrow

Book a free conversation today

Stay informed

Inheritance Tax

Feb 20, 2025 1 min read

Transforming Inheritance: Including Pensions in Estates for IHT from April 2027

Family Wealth

Jan 9, 2025 2 min read

A reminder of some of the basic IHT planning points

Property

Nov 20, 2024

Stamp Duty Land Tax: Higher Rates For Additional Dwellings

View all

Tax Planning FAQs

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.

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.

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.

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.

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.

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.

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 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.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice. The Financial Conduct Authority does not regulate estate planning or tax planning.