(01295) 660 571

Churchlands, Banbury, Oxfordshire, OX17 1LN

Nigel Wearden IFA

Philip T. English I.F.S LTD

Tax Planning

Tax planning is not about formulating a devious plan to find loopholes in the tax rules. It is about understanding the rules and not becoming liable for taxes that we should not have to pay.

As government spending accounts for approximately 50 per cent of all GDP in the UK, it has a significant influence on our day to day existence and deserves a similarly important amount of attention and consideration.

The manner in which we take our income whether from employment, pensions, savings or investments; how we buy and sell assets; who holds those assets, and the various ways they are taxed can have a significant impact on how much is left after the government has had its share.

Of course, we all need to pay our share but the tax system can be unsympathetic and, at times, pernicious if we simply presume we are doing the right thing while carrying out our normal day-to-day affairs.

There is very little room for discretion on the part of the tax authorities to make decisions based on ‘fairness and common sense’. HMRC is governed by a set of strict rules and, like any set of rules, these may have contradictions or unforeseen consequences. It is, therefore, critically important when we make our financial plans to consider the tax implications.

Experienced advice

I hold the Chartered Insurance Institutes (CII) advanced qualification, G10 – Taxation and Trusts – and have substantial experience of helping individuals and businesses with their tax planning, including:

– Trusts

– Inheritance Tax Mitigation

– Corporation Tax

– Capital Gains Tax

– Income Tax

– The Taxation of Dividends

If you have a question, or would like to arrange an initial meeting to discuss how I can help you with your financial and tax planning – at no cost and without obligation – call Nigel on (01295) 660571 or request a call-back.

Nigel Wearden

Nigel Wearden

Nigel has a wide experience of pensions, investments and taxation issues, and provides advice on these matters to individuals, companies and partnerships.

Having worked extensively in the financial sector, he now feels he has found his niche within the company, where he excels at providing bespoke financial solutions to suit his clients’ circumstances and attitudes towards risk.

Nigel began his financial planning career in the 1990s with Britannic, having previously run his own business, before studying History and Economics at the University of Warwick as a mature student.

Philip T. English Ltd.

Philip T. English Ltd.

Philip T English International Financial Services Limited was established in 1972, making it one of longest standing advisory firms in the country. Nigel joined the company in 2006.

Based in Chipping Warden, on the borders of Oxfordshire, Northamptonshire and Warwickshire, Philip T. English advise clients throughout England.

In the nearly four decades it has been advising clients on their financial planning, the firm has become known for its expertise and integrity. It was this fantastic reputation that attracted Nigel to join the firm.