Proactive Tax Planning and Advice to Reduce Your Capital Gains Tax
Specialist CGT and tax planning advice for individuals, investors, and business owners. We identify every legal opportunity to reduce your tax bill — before and after asset disposal — using HMRC-approved strategies.
The Difference Between Reactive and Proactive Tax Planning
Most people only think about CGT after they have sold an asset and receive a tax bill. But the biggest tax savings come from planning before a disposal — sometimes years in advance. The difference between reactive and proactive tax planning can be tens or even hundreds of thousands of pounds.
Our Manchester-based tax planning specialists work with clients throughout the year — not just at tax return time. We identify upcoming disposals, analyse your overall tax position, and implement strategies that use every available HMRC-approved relief before they are needed.
From spousal transfers and ISA sheltering to EIS investments and business restructuring, we create personalised annual tax plans that ensure you are never surprised by an avoidable CGT bill.
Key CGT Planning Opportunities
Comprehensive Tax Planning for Every Situation
Annual CGT Review
We review your entire asset portfolio annually, identifying disposals planned for the year and modelling different timing strategies to minimise your CGT liability.
Spousal Transfer Planning
Transferring assets between spouses or civil partners at no gain, no loss allows you to use both annual exempt amounts and lower-rate tax bands — a highly effective CGT planning tool.
Loss Harvesting Strategy
We identify unrealised losses in your portfolio and advise on crystallising them to offset existing gains — reducing your CGT bill without materially changing your investment position.
EIS and SEIS Investment Advice
Investing in EIS-qualifying companies allows you to defer capital gains indefinitely. SEIS investments provide 50% CGT exemption on reinvested gains. We advise on these strategies as part of your overall CGT plan.
Business Exit Planning
Planning your business exit 2-3 years in advance allows time to ensure BADR eligibility, structure earn-outs, and optimise your overall CGT position across the entire transaction.
Estate and IHT Integration
CGT and IHT planning are deeply intertwined — we integrate your CGT strategy with your estate planning to optimise both taxes across generations.
Our HMRC-Approved CGT Reduction Strategies
Short-Term Strategies
- Use annual CGT exempt amount (3,000 GBP) every year
- Transfer assets to spouse before disposal
- Crystallise capital losses to offset gains
- Bed and ISA — shelter future gains tax-free
- Bed and SIPP — shelter gains in pension
- Defer disposal to next tax year if already near 45% rate
- Donate appreciated assets to charity (CGT-free)
- Gifting to children with lower income
Long-Term Strategies
- BADR structuring — ensure business qualifies 2 years before sale
- EIS investment — defer CGT gains indefinitely
- Build ISA portfolio — 20,000 GBP tax-free per year
- Pension contributions to reduce taxable income
- Business property relief structuring for IHT and CGT
- Trust planning for family asset transfers
- Rollover relief on business asset reinvestments
- Investors Relief on qualifying unlisted company shares
How We Deliver Your Tax Planning
Tax Position Review
We review your complete tax position — income, assets, gains, and planned disposals — to identify all planning opportunities.
Strategy Development
We develop a bespoke tax plan using every available HMRC-approved strategy to legally reduce your CGT and income tax liability.
Implementation
We implement your tax plan — making transfers, filing elections, advising on timing, and coordinating with your other advisers.
Annual Review
Tax laws change. We review your plan annually to ensure it remains optimal and adapts to HMRC rule changes and your changing circumstances.
Tax Planning Questions Answered
Start Your Personalised Tax Planning Today
Manchester's leading CGT and tax planning specialists. Proactive planning that saves you money every year.