Tax Planning

Maximize Your Tax Efficiency.

Effective tax planning is crucial to preserving wealth and achieving financial goals. Matwill Capital offers intelligent strategies to optimize personal and business tax positions while ensuring compliance.

Service Offered

  • Personal and business tax optimization

  • Inheritance tax planning

  • Cross-border and non-resident tax advice

  • Capital gains tax strategies

What Is Tax Planning?

Tax planning is the process of analysing your financial situation and structuring your income, investments, and assets in a way that legally minimises tax liability. It goes beyond annual tax returns — it’s about making proactive decisions throughout the year to keep more of what you earn.

Effective Tax Planning Considers:

  • Personal income tax

  • Capital gains and investment income

  • Property and rental tax

  • Dividends and director’s remuneration

  • Inheritance tax and estate planning

  • Pension contributions and tax relief

  • Business structure and allowable expenses

It’s not about avoiding tax — it’s about understanding the rules and using them to your advantage.

Why Is It Important?

Whether you’re an individual, a business owner, or a landlord, UK tax rules are complex — and constantly changing.

Poor tax decisions can lead to unnecessary payments, missed reliefs, or costly penalties. Smart tax planning ensures:

  • Better cash flow and retained income

  • Peace of mind through compliance

  • Optimised timing of income and capital gains

  • Efficient use of allowances, deductions, and reliefs

  • Protection of your estate and assets for future generations

Tax planning isn’t just for the wealthy — it’s essential for anyone looking to grow and protect their financial future.

Who Benefits from Tax Planning?

Tax planning is highly relevant for:

  • Salaried professionals and high earners seeking efficient income structuring

  • Self-employed individuals and freelancers managing variable income

  • Company directors and business owners optimising dividends and payroll

  • Landlords and property investors dealing with rental income and capital gains

  • Expats and non-domiciled residents navigating cross-border tax implications

  • Families and retirees planning wealth transfer and inheritance

Whatever your income source or asset structure, a tailored tax plan can unlock significant long-term value.

Our Approach

At Matwill Capital, we take a strategic and personalised approach to tax planning:

  1. Comprehensive Review
    We start by analysing your full financial picture — income, investments, business interests, properties, and existing structures.

  2. Goal Alignment
    We clarify your priorities — whether that’s reducing income tax, planning for retirement, transferring wealth, or improving liquidity.

  3. Strategy Design
    Our tax advisers create a bespoke plan that leverages available allowances, reliefs, and structures while remaining fully compliant.

  4. Implementation Support
    We collaborate with your accountant or solicitor (if needed), or offer referrals, to execute the strategy efficiently and on time.

  5. Annual Reviews & Updates
    Tax laws change — so do lives. We revisit your plan regularly to keep it optimised and aligned with your evolving circumstances.

Client Success Story

Turning a £90K Tax Bill into £22K — Without Breaking the Rules

One of our clients, a self-employed IT consultant earning over £200,000/year, faced a hefty personal tax bill due to a mix of contracting income, dividends, and underused allowances.

By reviewing his business structure, we helped him shift to a limited company setup, split dividends across family members, and redirect £40K into a pension. Result?
His tax bill dropped by nearly £70K — all HMRC-compliant.

“I wasn’t doing anything wrong — but I wasn’t doing anything right either. Matwill showed me I had more options than I thought.”
— Jonathan M., London

Frequently Asked Questions

Is tax planning legal?
Yes — we focus only on legitimate, compliant tax strategies using existing HMRC rules, allowances, and structures.

How is tax planning different from tax return filing?
Tax returns report what’s already happened. Tax planning helps you make decisions before tax is due — for better outcomes.

Do I need an accountant for this?
We can work alongside your accountant or offer tax planning independently. Our goal is strategy — not just compliance.

Can tax planning help with inheritance tax?
Absolutely. Early planning allows you to make use of exemptions, gifts, trusts, and other tools to reduce IHT exposure.

How often should I review my tax plan?
At least once a year — or whenever you experience major life changes (job, business, property, marriage, etc.).

Why Choose Matwill Capital?

  • Strategic, forward-looking tax advice

  • Personalised to your goals — not one-size-fits-all

  • Clear, jargon-free explanations and guidance

  • Multilingual support (English & Mandarin available)

  • FCA-authorised, client-trusted professionals

Build Smarter Wealth — Plan Your Next Move

Make Every Pound Work Harder.
From your salary to your side business, your rental income to your retirement — we help you take control of your tax position with clarity and confidence.