A review of tax planning to maximise your net income, business and family assets should always be high on your personal financial agenda. We can help by ensuring that you are maximising tax efficiency in all areas by making use of available tax reliefs, allowances via pensions, tax efficient tax wrappers and investment products. We will also be able to inform you of any changes in tax legislation that could impact you.

Tax is a complex area and several factors will determine the amount of tax you should pay each year. With careful planning, we can help you to increase your tax efficiency and reduce your tax bill.

Income Tax

We aim to address any Income Tax related issues as part of the advice process, to maximise tax savings in the face of changing legislation. We will consider all forms of income (such as earnings, rental, investment dividends and pension) and take into account the annual allowances (personal and dividend) and tax bands.

Careful income tax planning can make a big difference to the amount of tax you pay. Where appropriate, we may recommend investing in assets where income is exempt (ISAs or VCTs) or where Income Tax relief is available (pensions and EIS/VCT/SITRs).

By planning effectively, you should be able to minimise your tax bill. Holden & Partners can help you identify all your areas of tax liability and advise you on ways to become more tax efficient, saving you a significant amount of money over the longer term.

Inheritance Tax (IHT)

Effective IHT planning could save your family hundreds of thousands of pounds. If you haven’t done anything about a potential IHT bill, now is the time to take action. Currently, IHT is charged at 40% on anything you leave over £325,000 when you die (£650,000 for married couples or registered civil partnerships). With rising property prices in recent years, this has resulted in more people being subject to IHT.

The introduction of the Residence Nil Rate Band potentially increases this allowance to £500,000 per person (£1M for a married couple) from 2020/21. However, property must pass to direct descendants and the allowance may not be available for larger estates of over £2M.

There are a range of options for those seeking to reduce their IHT liability upon death, including making a Will, the use of trusts, life assurance and making use of the various exemptions in conjunction with gifting strategies. Following recent changes in legislation, pensions have now become a key estate planning tool.

Holden & Partners have STEP (The Society of Trust and Estate Practitioners) affiliated advisers, who can offer you high quality advice when dealing with your estate planning issues.

Capital Gains Tax (CGT)

CGT is a tax charge that arises from the disposal of assets, such as shares, funds within a portfolio or buy-to-let properties. If you have made a taxable gain from the sale of property, shares, investments, businesses or any form of capital gain, you should make sure you don’t make unnecessary CGT payments.

The annual CGT allowance reduces the amount of tax you must pay. You only pay CGT on the amount by which your gains exceed this allowance.

This is an area where tax can often be reduced or eliminated by careful ongoing planning. We seek to make use of available allowances and reliefs to reduce future capital gains liabilities. This advice is provided as part of our ongoing service.

Tax Structures

In the UK, there is a wide range of tax efficient investments and structures to consider when considering how best to plan across all of these areas. The main structures currently available include:

  • Individual savings accounts (ISAs)
  • Junior ISAs
  • General Investment Accounts / Non-ISA Portfolios
  • Occupational pension schemes
  • Personal pensions
  • Venture Capital Trusts
  • Enterprise Investment Schemes
  • Social Investment Tax Relief Schemes
  • Business Property Relief Schemes

We can help you find the most suitable solution for your personal situation.

My wife and I really value the advice and support we’ve received over many years. Our key contact is Tim Cosway, whose friendly and calm manner is a real plus. He also involves team members who are equally committed. We particularly value that their approach is that no question is stupid – we always receive a clear and helpful explanation. We have full confidence in the team’s management of our finances and definitely recommend them.


We have consulted Holden and Partners for 10 years.  Having been in financial disarray because of poor advice from our previous financial advisor, we have Tim Cosway to thank for digging us out of a deep financial hole.  As a result of his painstaking tenacity pursuing a claim against our former financial advisor through the Financial Ombudsman Service, which resulted in substantial compensation, we can anticipate a comfortable retirement.  We continue to take Tim’s advice on all financial matters.  He is a pleasure to deal with, and we whole heartedly recommend Holden and Partners, and Tim in particular.

Mike & Jacque

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

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Contact us

Whether it’s a question about your personal finances or how you can invest your wealth more ethically, we are here to help. Call us on 020 7812 1460, email info@holden-partners.co.uk or complete the form: