5 HNW Planning Moves to Make Before the Tax Year Ends
Pension contributions, CGT crystallisation, EIS/SEIS timing, family investment companies and gifting — a quick checklist for HNW clients.
By Colin Davison
The end of the tax year always brings a burst of last-minute planning, but the biggest gains for HNW clients usually come from moves made three to six months earlier. If you haven't reviewed the following list yet this year, now is the time.
1. Pension contributions — including carry-forward from the previous three years. 2. Capital gains crystallisation and offset against carried-forward losses. 3. EIS and SEIS timing for both income tax relief and CGT deferral. 4. Family Investment Company contributions and shareholding structure. 5. Annual and larger gifting against the seven-year clock.
We run a full HNW planning review with every private client every autumn. If yours hasn't been scheduled yet, please get in touch.
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