At this festive time of year the negative effects of taxation will be far from your mind, but you should be aware that the clock is ticking when it comes to planning for a more tax-efficient New Year for you and your nearest and dearest.

Whether it is Income Tax (50% maximum rate of tax), Capital Gains Tax (28% maximum) or Inheritance Tax (40% maximum), if you do not take positive steps to ensure you are making maximum use of all the options available to you in relation to tax planning, you will find that HMRC may be the one that gets the biggest present in 2012.

By undertaking a full review of your financial circumstances, with proper regard given to your own goals and objectives, it is possible to ensure that you do not pay more tax than is necessary, protect capital growth, protect assets from the effects of long term care costs and ensure that you safeguard your future legacy to family and those closest to you.

In most cases the answers to many peoples taxation concerns are relatively straightforward, but even where they are not, our highly qualified, experienced consultants – working alongside our colleagues on the legal side of James & George Collie – will be able to provide you with a solution tailored specifically to your needs.

So why not give yourself a great present this Christmas, and make an appointment to meet one of our fully independent (and jolly!) Financial Consultants in the New Year.

To arrange an appointment please call Holly Smith on 01224 581581, or e-mail her on This email address is being protected from spambots. You need JavaScript enabled to view it.