Recent Case Studies
Whatever your situation, there will be a range of solutions for you to look at. Just a few scenarios we have managed are shown below.
| Case study 1 |
Help with self-managed portfolio |
| Client |
65 year old female, employed, own home, self managed portfolio, not wanting to retire |
| Worries |
Can she reduce income tax and plan her finances moving forward |
| click to see the results+/- |
| Results |
Through detailed modeling of assets and wealth we made recommendations
Income tax was reduced close to ZERO
Private investment manager was put in place
|
| Extra Benefits |
Portfolio management was simplified & made more visible |
| “I now know exactly where I am in terms of managing my income for life. Alternative thinking, bringing together tax and investment expertise, has given me peace of mind”
|
| Case study 2 |
Planning for partners after death |
| Client |
Retired couple, 68 years old, London. Large sums invested in UK and Internationally. Living from the income. |
| Worries |
Understanding the volatility of their investments & legacy planning for partner after death |
| click to see the results+/-
|
| Results |
Modelling of options and movement of investments and administration so :
Growth in investment is now tax free
Minimum value of investments on the first death, will be the current value
Reduced volatility
|
| Extra Benefits |
Every six months, if the portfolio increases in value, the guaranteed value on death will be increased too |
| “We feel more comfortable knowing our investments and future are more secure” |
| Case study 3 |
Dealing with company-owned property assets |
| Client |
2 Company Directors, aged 45 & 52, London. Company owns a commercial property valued at £900,000 with no mortgage |
| Worries |
Property is seen as a main asset so they want to protect it against potential future company trading difficulties, given current climate |
| click to see the results+/-
|
| Results |
Property ownership moved to trust account which is “ring fenced” and not a company asset
Creating effective £900k trading loss offset Capital Gains Tax & reduced Corporation Tax significantly
|
| Extra Benefits |
The Trust account can “lend” £450k back to the company if it needs it, at any time in the future |
| “We never knew these options existed. The outcome has been exactly what we had hoped for, and more.”
|
| Case study 4 |
Using company profits for personal security |
| Client |
Company Director/owner aged 58 from London. Own home has £200k mortgage, company has £1 million trading profit |
| Worries |
Owner has insufficient pension funds & investments to retire, was worried about Corporation Tax and costs of extracting company funds |
| click to see the results+/-
|
| Results |
Using an HMRC-approved account the full £1 million was extracted into a bank account
No Corporation Tax was payable and the account gives him full control and access
|
| Extra Benefits |
He has the option to pay off his mortgage, tax free, from the account whenever he wishes |
| “A brilliant solution all round!” |
| Case study 5 |
Reducing self-employed income tax |
| Client |
Dentist, aged 40, earning £180k/year with general interest in other businesses and existing investments |
| Worries |
How to reduce income tax and build assets for the future |
| click to see the results+/-
|
| Results |
High rate income tax was reduced by more than 50% and in addition, an interest in two different business assets were gained |
| Extra Benefits |
Self employed payments on account were reduced immediately |
| “I am building my assets at a much quicker rate, now I am paying less tax” |
| Case study 6 |
Planning for retirement |
| Client |
Couple, aged 65, retiring from business. £750k home and approx £1.3 million in pension & investment assets |
| Worries |
How to plan the rest of their lives with a “live now” principle. Unclear what level of income to extract |
| click to see the results+/-
|
| Results |
All assets and scenarios modelled to show how to extract £90k/year without affecting their lifestyle goals. This was considerably more than they were planning to take as income. |
| Extra Benefits |
Understanding better how to manage their finances moving forward |
| “We were shown what we didn’t know we could have!” |
| Case study 7 |
Offsetting the credit crunch |
| Client |
Own business, 50 years old, cautious investor, looking at whether to sell properties to release £300k |
| Worries |
Whether selling would be better growth option for investment, how to reduce Capital Gains Tax (CGT)& where to invest money |
| click to see the results+/-
|
| Results |
Reduced CGT payable by 50% and created wide spread investment portfolio centred around money lending investments which has attained steady growth
|
| Extra Benefits |
Income tax credit/rebate obtained of £8000 |
| “Build Your Wealth showed me where my money would work best for me”
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