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Tax-Efficient Investment Advice
If you’re earning well and investing in ISAs, pensions, property, or even just building cash reserves, chances are you’re already giving away too much in tax.
We see it all the time—good people, making decent money, following what looks like sensible advice from their accountant or wealth adviser… and still watching HMRC skim more off the top than needed.
At Pearl Lemon Tax, we’ve built a system that addresses this directly.
We don’t sell products. We don’t juggle jargon. We solve problems with structure, timing, and tax knowledge. We do one thing—make your investments legally more difficult for HMRC to benefit from.
Schedule a consultation today and let’s figure out how to keep more of your money exactly where it belongs.
Our Services: Tax-Efficient Investment Advice
This isn’t guesswork. We apply strict rules, tested methods, and the actual UK tax code—not vague “tax tips” from brochures. Below are eight service areas, explained clearly.
Asset Location Structuring
We look at where your assets sit—inside a GIA, SIPP, ISA, or corporate wrapper—and assess how each position is being taxed. Certain income-yielding investments don’t belong in taxable accounts. Capital-growth assets can often be placed where gains aren’t taxed.
We apply marginal tax rate analysis, dividend allowance exposure reviews, and annual capital gain harvest assessments to reduce tax drag across your portfolio.
What this fixes:
- Eroding returns from dividends taxed at 32.5%+
- Misuse of ISAs for low-yield holdings
- Liquidity issues from overfunded pensions with long lock-ins
Capital Gains Tax Mitigation
We calculate available allowances (£3,000 from April 2024), loss carry-forwards, and matching rules to create a sale and reallocation plan that avoids triggering unnecessary tax events.
We factor in the 30-day rule for repurchase timing and apply bed-and-spouse or bed-and-ISA arrangements where appropriate.
What this fixes:
- Overpayment of CGT at 20%+
- Poor sequencing of asset liquidation
- Year-end panic sales that generate inefficient gains
High-Income Surcharge Planning
Crossing the £100,000 mark means every £2 over that threshold effectively costs you £1. That’s a 60% tax trap.
We build timing plans using pension contributions and charitable donations that bring you below the threshold. This protects your personal allowance and child benefit eligibility.
What this fixes:
- Personal allowance tapering
- Hidden 60% effective tax rate
- Loss of child benefit through HICBC.
Dividend Tax Planning
Are you holding dividend-paying equities outside of wrappers? Are you a company director drawing a dividend-heavy income?
We’ll examine your dividend allowance exposure, identify available family allowances via spousal transfers, and use share class restructuring (alphabet shares) to lower your tax burden.
What this fixes:
- Wasted £500–£1,000 dividend allowances
- Tax at 8.75%/33.75%/39.35% brackets
- Inefficient director income approaches
Inheritance Tax (IHT) Exposure Planning
Are you holding six or seven figures of growth with no trust or BPR-based planning?
We review your investment holdings for IHT efficiency, including whether they qualify for Business Property Relief. We apply discount gifting, holdover relief, and discretionary trust limits (£325,000 + £175,000 residence nil-rate band per person) to stay ahead—before the 40% bill impacts your family.
What this fixes:
- 40% inheritance tax on growth and income
- Missed BPR opportunities on AIM shares or certain corporate assets
- Incomplete estate planning for investment accounts
Tax-Efficient Withdrawal Strategies
Pulling funds from the wrong account at the wrong time can cause an unexpected tax issue.
We run sequential withdrawal strategies—using ISA first, then GIA, then pension (or vice versa, depending on your tax bracket forecast). We apply 0% CGT and dividend allowances strategically and assess whether bond surrenders trigger top-slicing relief.
What this fixes:
- Triggering emergency tax codes on pension withdrawals
- Overpaying income tax due to poor timing
- Failing to use the basic rate band properly
ISA and SIPP Contribution Planning
Most investors are either contributing too little or contributing too much at the wrong time.
We time your contributions based on adjusted net income and set up SIPP plans to balance out higher-rate liabilities. We manage carry-forward from the previous three years and assist in structuring contributions in corporate and personal formats.
What this fixes:
- Missed £20,000 ISA limits
- Unused SIPP carry-forward from prior tax years
- Pension tapering past £240,000
Property and Buy-to-Let Exit Planning
Got rental property or second homes? We help design exit plans to reduce CGT, including spousal ownership restructuring, PPR relief timing, and lettings relief (if still allowed).
We also calculate how to offset gains using capital losses—both current-year and carried—and time sales around annual exemption limits.
What this fixes:
- Paying 18% or 28% CGT unnecessarily
- Selling at the wrong time in the tax year
- Failing to split ownership efficiently between spouses
Book your review now, and we’ll show you exactly how much unnecessary tax you’re exposed to.
Why Work With Us
Because we don’t care about selling you funds, products, or locking you into long-term agreements. We care about one thing: how much tax you can legally avoid paying by putting the correct setup in place.
Our clients usually retain between £7,000–£35,000 annually in investment tax that mainstream providers often miss or overlook.
They aren’t all ultra-wealthy. They’re people who asked better questions—and got clearer answers.
Book a no-obligation consultation and let’s have an honest talk about how to stop the financial leaks.
Frequently Asked Questions
Yes, but only if you reported them within four years of the tax year they occurred. If not reported, they’re likely lost.
No. SIPPs are tax-deferred wrappers. Income grows without tax, and it’s only taxed upon withdrawal.
By reducing your adjusted net income below £50,000 through pension contributions, you can retain child benefit eligibility.
18% for basic rate taxpayers, 28% for higher/additional. Applies only to gains above the annual exemption.
Only if the company qualifies, and you meet ownership and employment conditions for two years. It’s now called Business Asset Disposal Relief, and caps at £1M lifetime gains at 10%.
Yes. These are individual allowances. Structuring ownership correctly can double your effective thresholds.
Some do, under Business Property Relief, if held for two years and the business meets the criteria.
Ready to Protect Your Wealth?
It’s time to ensure your wealth is protected and your tax strategy is built to last.
Schedule a consultation today to start creating a tax plan that works for your unique needs. Let us help you secure your financial future.
