Tax-Efficient Planning Made Simple

Helping You Protect, Grow and Pass On Your Wealth

Tax planning isn’t about complicated rules or loopholes — it’s about making smart, thoughtful decisions that help your money work harder. Whether you’re growing your wealth, preparing for retirement, or thinking about the legacy you’ll leave behind, tax efficiency plays an essential role.

At Manning Gee Investments, we build tax-efficient planning into every stage of your financial journey. We take the time to understand your goals, values, and circumstances, and we work closely with your accountant, solicitor and other advisers to ensure your plan is joined up, compliant and designed around what matters to you.

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Retirement Income Tax Planning

Retirement isn’t just about saving — it’s about taking income in the right way.
Small decisions can make a big difference to the tax you pay.

We review all your income sources, including pensions, savings and investments, to help you:

Keep more of your money working for you
Reduce unnecessary tax
Take income in a way that supports long-term sustainability
Understand the balance between pension withdrawals, ISA use and taxable income

The aim is simple: a retirement that is clear, confident and tax-efficient.

Inheritance Tax Planning

Retirement isn’t just about saving — it’s about taking income in the right way.
Small decisions can make a big difference to the tax you pay.

We review all your income sources, including pensions, savings and investments, to help you:

Keep more of your money working for you
Reduce unnecessary tax
Take income in a way that supports long-term sustainability
Understand the balance between pension withdrawals, ISA use and taxable income

The aim is simple: a retirement that is clear, confident and tax-efficient.

Upcoming Inheritance Tax Changes on Pensions

HMRC has proposed new rules (expected April 2027) that may bring most pension death benefits into your estate for IHT purposes.

What you need to know:

Spouses, civil partners and charities remain exempt
Death-in-service payments and some scheme pensions are excluded
The current age 75 income tax rule still applies
- Before age 75: Most benefits remain tax-free
- After age 75: Benefits are taxed at the beneficiary’s marginal rate, with offsets to prevent double taxation

We will guide you through these changes and help ensure your pension arrangements remain suitable.

Tax-Efficient Investment Strategies

Building wealth is important — but keeping it is essential.

Alongside ISAs and pensions, we can also explore other tax-efficient opportunities such as:

Venture Capital Trusts (VCTs)
Enterprise Investment Schemes (EIS)
Business Relief-qualifying investments

We explain the risks clearly and help you decide whether these options are right for your goals and circumstances.

Capital Gains Tax (CGT) Planning

When you sell certain assets — such as property, shares or investments — you could face Capital Gains Tax (CGT).
We help you:

Use your annual CGT allowance effectively
Spread disposals across tax years
Make the most of exemptions
Create a plan that reduces unnecessary tax on gains

This ensures more of your wealth is available to reinvest or use as you choose.

Tax Planning for Business Owners

For entrepreneurs, company directors and self-employed professionals, tax planning can make a meaningful difference to both business growth and personal wealth.

We can help you:

Take income from your business tax-efficiently
Optimise pension contributions
Protect and pass on business assets
Integrate personal and business tax planning

The goal is simple: turning your hard work into long-term financial security.

Why Choose Manning Gee Investments?

Clear, Simple Guidance – We make tax planning easy to understand.
Tailored Strategies – Your plan is built around your goals and your values.
Holistic Approach – Tax planning is woven into your wider financial plan.
Independent Advice – We recommend what’s genuinely right for you.

Tax planning isn’t a separate service — it’s the foundation of building, protecting and passing on wealth.

Our Four-Stage Tax-Efficient Planning Process

Understand your goals and priorities
Review your financial position and existing arrangements
Identify suitable tax-efficient strategies
Review and adapt as rules or circumstances change

Frequently Asked Questions

What are your fees?

Tax planning is fully included within our transparent financial planning fees.

Can tax planning be combined with other services?

Yes — tax planning is part of every financial plan we build.

Can you help reduce inheritance tax?

Yes. We use a range of proven strategies to protect your estate and pass on wealth tax-efficiently.

How does tax planning affect my pension contributions?

Pension contributions are one of the most tax-efficient ways to save.
We help you use them in a way that fits your wider financial goals.

Do I need an accountant as well as a financial planner?

Yes — and we work alongside your accountant to keep everything aligned.

Am I paying more tax than I need to?

We review your income, investments and allowances to show where simple steps could reduce tax.

Can you help with Capital Gains Tax?

Absolutely. We help you plan disposals, time withdrawals and use allowances effectively.

Which tax allowances should I be using each year?

We help you make the most of ISA allowances, pension relief, CGT exemptions and more.

Are tax-efficient investments right for me?

We only recommend them when they suit your risk profile and goals.

How does tax planning help protect my family’s wealth?

Effective planning can reduce both income tax during your life and inheritance tax later on.

Take the Next Step

Tax-efficient planning helps you keep more of your money, reduce stress, and build a more secure financial future.

If you want to make your wealth work harder — now and for the next generation — we’re here to help.