Tax efficient products
Our Most Effective Tax Efficient Investment Options
Individual Savings Accounts (ISAs)
ISAs are a foundation of most tax strategies. They offer tax-free investment income, no capital gains tax, and no tax on dividends. We help you make full use of your ISA allowance each tax year, whether you’re saving for the short term or investing for long-term wealth creation.
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Pensions and Retirement Contributions
Pensions are one of the most tax efficient tools for long-term saving. You’ll benefit from income tax relief on your contributions and your investment growth is tax-free until retirement. We help structure your superannuation plans to support both your current finances and your future lifestyle goals.
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Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS)
These high-growth investments offer strong capital gains tax benefits, including upfront tax relief. While they carry more risk, our investment management service ensures you understand the balance between reward and risk before adding them to your portfolio.
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Inheritance Tax Planning and Estate Strategies
We support clients in Perth with comprehensive estate planning. Through the use of trusts, gifting, and business asset relief options, we help you reduce inheritance tax liabilities and pass on more of your wealth to future generations.
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Forestry and Smaller Company Investments
Investing in UK commercial forestry or qualifying smaller companies can offer unique tax benefits, including inheritance tax exemption after two years. These options also support ethical investment journeys, balancing market value with environmental and legacy considerations.
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Investment Bonds
Structured to defer tax until withdrawal, investment bonds are an ideal tool for high earners who want more control over when and how they pay tax. These are especially useful when integrated into broader wealth management and retirement planning strategies.
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Frequently asked questions
How can I reduce my tax liabilities?
Our expert financial advisers offer personalised tax advice to help you manage your tax affairs and reduce liability. This may include using ISAs, pensions, and other tax efficient investments, all tailored to your personal circumstances.
What is inheritance tax, and how can I plan for it?
Inheritance tax is a charge on the estate of someone who has died. With smart tax planning, we can minimise this for your beneficiaries using proven strategies like trusts, Business Relief, and gifting, ensuring your wishes are fulfilled and your wealth is passed on efficiently.
When is the best time to start tax planning?
The sooner you start tax planning, the better. Making use of your allowances early in the tax year can maximise benefits and give you more flexibility when adjusting your portfolio. Our financial advisers can help you plan ahead based on your personal circumstances.
Perth Investment Management with Long-Term Value
As experienced financial advisers, we don’t just recommend products, we help you make informed decisions across your entire investment journey. From selecting the right managed funds to aligning your strategy with your financial objectives, our goal is to help you develop a plan that brings lasting value and security.
Our professional advice always considers both opportunity and risk. Whether you’re focused on regular investment income, growing capital, or protecting your assets, we tailor each recommendation to your financial situation.
Your Financial Future Starts with Smart Planning and Tax-Efficient Investments
By using a mix of traditional and specialist options, we create a tax strategy that supports your earnings, reduces unnecessary tax, and gives your money room to grow. It’s all part of a wider, personalised service designed to meet the highest standards of financial care.
You can also trust us to consider all aspects of your plan, including property, insurance, rental income, and pensions, so nothing is left to chance.
Disclaimer
The information provided here is for general guidance only and should not be considered as financial advice. We recommend consulting with a qualified financial advisor to discuss your individual circumstances and get tailored advice.
Speak to Our Perth Financial Advisers Today
If you’re looking to reduce tax and make your investments more efficient, our team at Hamilton Financial is ready to help. We’ll guide you through each step of the process with clarity and confidence, giving you access to trusted advice that puts your goals first.
Contact us now to book a consultation with a local adviser. We’ll help you take control of your financial future, manage your taxation effectively, and build lasting wealth for you and your family.
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