Whether you want to invest to grow your capital or to generate an income, we understand how. We take time to consider your current investments and understand your attitude to investment risk. With the myriad of investment products and opportunities available, Alexander Grace can advise on a portfolio to achieve your financial objectives. From deposit based investments to Bonds, Stocks, ISAs, other collective investments and Equity Portfolios – we have extensive expertise in all areas. Remember the value of an investment may go down as well as up and past performance is not a guide to future returns.

For those special moments in your life, weddings, holidays, a new house or your children’s education you need readily available funds. Savings are essential part of your wealth management plan to ensure you enjoy life to the full, whether it be treating yourself or providing for your families education and welfare. We can advise and arrange a tailored savings portfolio that maximises your wealth and brings you tax advantages.

Why not explore the tax breaks available on specialist investment schemes, like VCT's, for the investor prepared to take higher risks with a proportion of capital?

Tax

With today’s ever changing tax legislation, Alexander Grace prides itself on its ability to guide you through the taxation maze. Together with Inheritance Tax, Capital Gains Tax, Income Tax and the taxation of life and pension policies we can also ensure you don’t fall into the tax trap, paying higher tax rates on your investments than necessary. We understand the tax implications of a wide range of different types of savings and investments and can advise on how to make your money work harder for you.

Tax planning is always high on anyone’s agenda and Alexander Grace offer specialist skills in this discipline. Your wealth management plan integrates tax avoidance measures, tailored to your circumstances, based on a detailed understanding of how taxable income is calculated. Alexander Grace can incorporate strategies to minimise Capital Gains Tax and protect the inheriting parties to an estate to include the succession of business assets. We bring a knowledge of allowances and reliefs to bare.

Gifts offer a useful mechanism to address Inheritance Tax. The use of gifts to your family, whilst you and/or your spouse retain an interest, can be exempt from Inheritance Tax if made in the correct manner. Gifts need not just be made on death. Many people believe that once a gift is made, access to the capital and funds in the gift are lost. This does not have to be the case.

For higher rate tax payers and those with capital, there are a number of investment strategies that offer tax efficiencies. We believe in tailoring an investment strategy to your individual circumstances, often as unique as yourself. Everyone’s needs are different and our skill in creating an investment portfolio that achieves your objectives with a balanced, strategic, but above all straightforward, approach may literally pay dividends. You could be interested in growing your money to convert it to income at retirement and need a tailored portfolio at a competitive price with transparent low management costs. Equally you may just want to review and improve your current assets to get the best out of your investments. Streamlining your existing investments without tearing your portfolio apart and rebuilding it can be very rewarding. Alternatively, you may wish to obtain tax relief on your investments. Moving shares to your pension scheme is an ideal method of achieving this. You may also wish to consider Government Bonds, Guaranteed Plans, Equity Portfolios, Investment Trusts, OEICS and Units Trusts.

We also advise companies with healthy bank balances on tax efficient investment strategies. There are significant opportunities to reduce tax and get a better return. For example, have you ever considered Offshore Bonds?