Take control of tax.
We know that managing your tax obligations can be a complex and stressful task. That’s why we offer a range of services that will help you get the most tax advantageous outcome to your earnings and savings, helping you achieve what you want in life.
How we can help
We work with our clients developing plans to mitigate tax which is payable on income, bank interest and dividends and more. You will, of course, always fulfil your tax obligations whilst getting the best possible financial outcomes.
Capital Gains Tax
Capital gains tax is payable on any profits resulting from the disposal of assets such as investment property, stocks and shares and investment bonds. We can help you make use of the various reliefs available to reduce the tax burden.
Inheritance tax may be payable if your estate is valued in excess of the Nil Rate Band at the time of your death. We can advise you how careful use of will planning and associated investment strategies can help to mitigate this tax, making sure as much of your hard-earned capital goes to your loved ones. We will make sure that, wherever possible, we maximise any tax planning opportunities and if necessary, will liaise with your other tax advisers. Please note that the FCA does not regulate tax advice.
What you get
We get to know your individual needs and objectives. Then we follow a refined process, applying our experience, knowledge and expertise to deliver the best possible financial plan that’s uniquely yours.
We discuss your situation with you, recording information about your finances, your attitude to risk and your financial goals and aspirations. We’ll carry out initial evaluations and propose any immediate action we think would be beneficial to you.
Next, we produce a report based on your objectives. This will summarise your attitude to risk, our recommended asset allocation and your time horizons. It can take up to 2-8 weeks to complete and will contain any supporting information including illustrations and product brochures.
Here, we present our recommendations and make sure you’re happy for us to proceed with your plan. If your objectives have changed or you have any questions, we can discuss these at this stage. We’ll clarify any costs and provide past performance details and expected returns information for each investment we recommend.
We put your plan into action, providing you with any assistance you need with your application to get things started. Then we contact the recommended Provider(s) to implement your plan. Details of any advice will be recorded on our administration system, along with any information we have gathered in relation to your plan.
The final, ongoing stage of our process. Once your plan has been put into effect, we regularly review and monitor it based on your changing needs and circumstances. We will continue to provide you with guidance, advice and administrative support on an ongoing basis.
What our customers say…
It is always a pleasure to visit P&P and I feel like I am part of a great family of lovely people.
I just want to complement you and say thank you for having such a warm, well informed, friendly team of people ready to help us as customers.
My Adviser was excellent to deal with!
He supplied a plan that has me pretty much secure with maintaining my lifestyle as it is. Obviously it’s an ongoing process, however it was a good start for me.
I just wanted to say a heartfelt thank you for all your expert advice , professionalism and support over many years.
Whenever I have been unsure about anything, you always explained complicated matters in simple, understandable terms and ensured that I have had all the information needed to make the right, informed decision.
How it works
Our aim is to deliver exactly what you expect from your plan. From careful planning and preparation, to managing your portfolio through change and growth, we always keep you fully updated and in the know. You can make the best, informed decisions for your future, backed up by our expert support and advice.
Annual Portfolio Rebalance Preparation
We will review your portfolio annually to make sure it is always aligned with your goals and circumstances.
Ongoing access to your advisor
We’re here for you when you need us. Getting in touch with us for advice or answers is easy.
Access to our Investment Management Team
Get expert support with your investment portfolio whenever you need it to make sure your assets are always working hard for you.
View and manage your portfolio any time you need via our online portal.
Use of Capital Gains Tax Allowances, Income Tax Allowances or Individual Savings Account Funding to maximise your investments in the most tax efficient way
Cashflows for your individual circumstances
Your financial plan is designed and adapted to meet your needs specifically. Nothing we do is off-the-shelf.
We’re here to help you get what you need
It starts with a conversation and grows into a partnership. At Principal and Prosper we’re here to help whatever your financial challenges. Fill out our form, email us on email@example.com or pick up the phone and tell us what you need. We’re looking forward to getting to know you.