Make use of the considerable experience and track record of the independent financial advisors at Wealth Design to help you make the most of your financial planning. Your independent financial advisor will guide you through the often complicated process of getting the most out of your savings, pension, investment, trust fund, and more, while eschewing as many tax implications as possible. Our financial advice may involve:
- Tax-efficient management of your money to grow a lump sum
- Regular investment of savings
- Investing wisely to maximise the use of tax allowances, both in respect of Income Tax and Capital Gains Tax
- Using your pension contributions' tax allowances to both maximise retirement funds and ensure tax-efficient funds for your surviving beneficiaries


Our independent financial advisors assist individual or corporate entities with saving for access to tax-free lump sums and income in later life. This financial service is becoming increasingly important as we realise that individuals are living longer and that we can no longer rely on the State Pension being able to provide a sustainable income. April 2015 has seen some of the biggest changes in pension legislation ever, with the introduction of new ‘pension freedoms’ and better ability to pass on ‘tax-free’ assets from pension schemes. We pride ourselves in our knowledge of the rules appropriate to both corporate clients and individuals and so whether it is Auto Enrolment or understanding your own pension situation then taking professional financial advice is essential now more than ever.


As ‘Independent Financial Advisors’ we use the whole of the available market to research the best investment options across both geographical and market sectors to achieve the best levels of return linked to your Attitude to Risk. We can advise you on suitable Investments or we can introduce you to Discretionary Fund Managers we work closely with.

Financial Planning

Tax-efficient management of your money to grow a lump sum or the regular investment of savings. Having your investments in the ‘right place’ is important to maximise use of tax allowances in the form of both Income Tax and Capital Gains Tax. Also by utilising your Annual Allowance of pension contributions you will be able to maximise savings and have funds for later life that are also tax-efficient for your beneficiaries in the event of death.

Trust Funds

Using trust fund structures to assist individuals, Corporate and Charity entities to invest money in a tax-efficient manner can be linked to any part of our Financial Planning process. Using Trust funds is not always about mitigating tax but more especially ensuring the certainty of beneficiaries in any situation. An independent financial advisor will gladly help you ascertain the correct trust fund structure.

Tax Planning

‘Tax’ is an important aspect of all our advice. With personal tax possible at rates as high as 60% in the UK at present it is understandable that it has to be a fundamental part of our independent financial advisors' considerations when advising clients on any aspect of financial planning.

Inheritance Tax Planning

Once described as a ‘voluntary tax’, our independent financial advisors are able to assist clients in understanding their potential liability to Inheritance Tax and plan accordingly to mitigate this liability. Rules around ‘gifts’ and the utilisation of assets can be complicated and we can help clients to cut through the rules to understand what you can and cannot do to mitigate tax and ensure your loved ones receive what you want them to receive.


In advising both individual and corporate clients that issue of ‘what if’ is always to be considered. Providing financial protection in the event of death, critical illness or protecting against long periods of incapacity from employment are all available as forms of protection. We all know someone who has died or being taken seriously ill unexpectedly and we can all imagine the stress that is added to these situations when financial pressures also come to bear. There is no need to worry with adequate financial protection in place.

For honest and reliable financial advice from an independent financial advisor, contact Wealth Design on 01543 571238 or email Wealth Design is based in Cannock, Staffordshire, and extends its services throughout the UK.