Without forward planning, tax can quietly erode your wealth. Proactive personal tax planning allows you to take control rather than react to unexpected liabilities.
Our approach helps you to:
➲ Lower overall tax exposure
By using allowances, reliefs, and planning opportunities effectively.
➲ Plan confidently for major life events
Including property transactions, retirement, business exits, or inheritance.
➲ Protect family wealth
Ensuring assets pass efficiently to those you choose, not unnecessarily to HMRC.
✓ Personal tax planning is beneficial for anyone with:
Multiple income sources
Property or investment assets
Pension planning needs
Family wealth or inheritance considerations
Anticipated life events such as retirement or asset sales
No. While complex estates benefit significantly, effective tax planning is valuable for professionals, landlords, company directors, and families at many income levels.
A tax return reports what has already happened. Personal tax planning focuses on:
Future decisions
Timing of income and disposals
Structuring assets efficiently
Preventing unnecessary tax before it arises
Tax Planning vs Tax Compliance
| Aspect | Tax Compliance | Tax Planning (Rothstone Approach) |
|---|---|---|
| Purpose | Reports tax based on past activity | Shapes decisions to reduce future tax |
| Timing | Reactive — after income or gains arise | Proactive — before transactions occur |
| Focus | Accuracy and meeting HMRC deadlines | Efficiency, strategy, and long-term outcomes |
| Scope | Annual returns and statutory filings | Income, assets, pensions, property, and estate |
| Flexibility | Limited — based on what has already happened | High — planning options can be explored in advance |
| Risk Management | Ensures compliance only | Reduces unexpected tax charges and penalties |
| Wealth Impact | Does not optimise tax position | Protects and preserves personal wealth |
| Life Events | Responds after events occur | Plans ahead for retirement, inheritance, and asset sales |
| HMRC Relationship | Filing-focused | Compliance-led but strategy-driven |
| Overall Outcome | Meets legal requirements | Maximises tax efficiency and financial confidence |
Yes. Where relevant, we advise on cross-border considerations, residency issues, and overseas assets to ensure UK tax compliance and efficiency.
We recommend reviewing your tax position:
Annually
When legislation changes
After major life events (marriage, inheritance, property sales, retirement)
Regular reviews ensure your strategy remains effective and compliant.
Book a free, no-obligation chat with our experts where we find out a bit more about your business, explain our services, and how we could work with you.
We review all income sources — including employment, dividends, rental income, and investments — to structure them in the most tax-efficient way while maximising available allowances and reliefs.
If you’re disposing of assets such as property, shares, or investments, we advise on timing, exemptions, reliefs, and deferral strategies to reduce CGT exposure.
Our advice ensures pension contributions, withdrawals, and retirement income are structured efficiently, helping you avoid unnecessary tax charges both now and in the future.
We remove the complexity from tax by providing clear, proactive advice. Our approach focuses on improving tax efficiency, managing liabilities, and keeping your business fully compliant as rules change.
For landlords and property investors, we provide guidance on SDLT, rental income taxation, ownership structures, and reliefs to reduce property-related tax liabilities.
We support families with multi-generational planning, helping align tax strategy with long-term financial goals, succession plans, and inter-family transfers.
With a multidisciplinary presence across the UK and the Republic of Ireland, we deliver personal tax advice that is both technically robust and practical.
➲ Bespoke, forward-looking strategies tailored to your circumstances
➲ Up-to-date technical expertise across all areas of personal taxation
➲ End-to-end support, from annual filings to complex planning
➲ A trusted advisor relationship, not just a compliance service
➲ Trusted by thousands of individuals and families for long-term tax planning
| Area of Planning | How We Help |
|---|---|
| Income tax efficiency | Structuring income to reduce annual tax |
| Capital gains | Minimising tax on asset disposals |
| Inheritance tax | Preserving wealth for future generations |
| Retirement planning | Tax-efficient pension use and withdrawals |
| Property taxation | Reducing tax on rental income and transactions |
| Family wealth | Aligning tax planning with long-term family goals |
