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    I have always been given Independent and Impartial advice and been provided with regular and friendly updates for my portfolio.

    Mrs Taylor, Lancaster

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    Richard has been looking after my investments for a number of years now and I have always felt confident that my money is in good hands. I would have no hesitation in recommending him.

    Mr Wigan, Lytham St Annes

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    I have always been given Independent and Impartial advice and been provided with regular and friendly updates for my portfolio.

    Mrs Taylor, Lancaster

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    During our first twelve months with Opus Janet has improved our investment portfolio, including our pension funds and Inheritance Tax liabilities. We would recommend Miss Allen to act as an adviser for all financial affairs from the cradle to the grave.

    Mr & Mrs Mitchell, Preston

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    We have been very satisfied with the service that we have received and would be happy to recommend Opus to anyone.

    Mr & Mrs Haydock, Poulton-le-Fylde

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    I would like to add our thanks to you Janet for your advice and help given to us. It’s so reassuring when you feel that one can trust the advice and recommendations that have been implemented now and in the future. Thanks to you all and we sincerely hope that Opus Wealth goes from strength to strength.

    Mr & Mrs Smith, Poulton-le-Fylde

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    Opus are professional and yet personal in their dealings, and I would not hesitate to recommend them.

    Mr & Mrs Gray, Lancaster

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Tax Planning

Effective Tax Planning can legitimately reduce the amount of tax you have to pay, thereby increasing your disposable income and/or the return on your savings and investments. Both Janet and Richard have specialist qualifications in tax planning to help you in this area.

Income Tax

Income tax is levied on income from salaried earnings, profits from self-employment, bank interest, property rents and share dividends to name but a few.
We can advise you on tax efficient strategies that can reduce or mitigate your liability in these areas.

Capital Gains Tax

Capital gains tax is payable on the profit arising from the disposal of assets such as investment property, stocks and shares and works of art (where the gain exceeds £10,600 2011/12). The excess profit is assessed at a flat rate of 18% or 28% depending on your other income. At Opus we can help you make use of the various reliefs available to reduce the tax burden. This can be a complex area and advice is essential.

Inheritance Tax

Inheritance tax may be payable if your estate is valued in excess of the Nil Rate Band (£325,000 2011/12) at the time of your death. This tax is charged at 40%, so with house prices rising, more and more people are being caught by this tax charge. It is important to remember that there can also be taxation consequences if you make certain gifts during your lifetime. At Opus we can guide you through this, and indeed other minefields, to ensure that you don’t fall foul of the rules.

We can advise you how careful use of will planning and Inland Revenue approved investment strategies can mitigate this tax.

NOTE: The Financial Services Authority does not regulate tax or estate planning.

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Case Study

Charles, a successful businessman, and his wife Ruth were grumbling about the amount of tax that they were paying

So their Solicitor suggested that they spoke to us. Click here to see how we re-arranged their finances to achieve significant tax savings.

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