We offer stocks and shares ISAs. These provide scope for protection from capital gains tax and higher rates of income tax. From 6 April 2017, annual subscriptions may be made to an ISA of up to £20,000. Following details within the March 2015 budget, ISAs also now offer potential inheritance tax advantages through scope for transfer on death to the surviving spouse.
For higher rate taxpayers in particular, ISAs represent an excellent opportunity to build up a savings fund in a tax-efficient wrapper.
We view ISAs as an intrinsic part of portfolios. Although they must be kept separate from other investments for accounting and tax purposes we take full account of them when making recommendations or managing portfolios. We make an annual management charge for ISAs to cover the costs of custody and reporting.
There is no advertising budget – we grow via progress by existing clients and their recommendations to others.