Our expert teams provide personal finance and taxation advice in a clear, uncomplicated and approachable manner.

Personal finance and taxation is becoming more and more complex, with ever increasing responsibility being placed on the individual UK tax payer. From individuals, to families to business owners proper financial and tax planning will help you to avoid possible pitfalls, minimise your tax liabilities, safeguard your wealth and provide a legacy for your children. It is also important to seek advice before taking any life-changing steps such as making gifts to children or selling your business.

At The MGroup, we can support you across the range of our expertise because of the way we collaborate; particularly between our accountancy partnership and independently regulated financial services company.

During your initial meeting, one of our partners will identify and guide you through which services could help you in the short and longer term. For example, there may be specific or general tax planning opportunities which would lead to working with one or more of our personal tax managers, or maybe we will recommend one of our independent financial advisors to help with pensions planning.

Regardless of your unique route, your partner will stay involved throughout the process.

We can help with

• Personal Finance Planning/Wealth Management: Where we will review your current financial affairs to advise on the financial implications of activities such as investments, identifying potential tax savings and advising on legislative requirements.
• Income Planning: If you have income from a number of sources, we can help you set up a tax efficient structure.
• Inheritance Tax: Up to 40% of your estate can be paid to the government in inheritance tax. We can advise you of the legal ways you can reduce this tax burden, such as the setting up of trusts, tax efficient wills, reliefs and making use of gifts.
• Capital Gains Tax: Capital Gains Tax is due on the sale of assets, including those held abroad. Through consideration of timescales and making full use of the tax reliefs and exemptions available to you, you can minimise your tax liability.
• Retirement Planning/Pensions Advice: For individuals considering their pension options we can help, including pensions under the new auto-enrolment guidelines for themselves or their business.