Paying tax can be a sign of success……  However, how many of us like to pay more tax than is necessary ?  How many of us would like to minimise tax ?

Tax planning is one of the areas often overlooked with few individuals aware of the extent of the tax allowances, reliefs and exemption available to them whether as an individual, charity or as a business.


Here are some of the many areas a financial advisor can help clients by adding value, where individuals were not aware of their ability to minimise tax :-


  • Taking income from non pension based assets, which in turn reduce taxable estate, minimising/mitigating liability against Inheritance tax.

  • Commercial property ownership as a means of creating personal wealth and reducing corporation tax.

  • Using annual Inheritance tax exemptions to reduce taxable estate, minimising/mitigating liability against Inheritance tax.

  • Strategic income management - Generating multi stranded tax free income streams including tax free income from pensions.

  • Utilising and offsetting higher rates of income tax by using unused personal allowances for spouse/partners.


Opes™ Financial are not tax advisors, although we provide advice specific to financial planning products. Therefore, we typically work along side any existing or third party tax advisers in delivering competent and compliant advice in these areas.


Call today, email us or complete our enquiry form and take advantage of our no cost, no obligation initial review service !

Opes™ Independent Financial Advisers Ltd, trading as Opes™ Financial is registered in England and Wales no. 10441148. Registered office, Opes House, Head Office, 178 Lancaster Road, Carnforth, LA5 9EF. Vat no 256693074.


Authorised and regulated by the Financial Conduct Authority. Opes Independent Financial Advisers Ltd is entered on the Financial Services Register under reference 763693.

The Financial Conduct Authority does not regulate taxation and trust advice or some forms of buy-to-let mortgages.

The quidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.  Where information in any form is provided via this website referring to a third party or where a link to a third party website is provided we cannot be held responsible for the accuracy of such information or the content of any external website(s).

Where communicating with us initially online you should never send any sensitive information to us via conventional email unencrypted.  Sensitive information to or from us will/should only be sent securely via our 'Client Portal'.  We arrange registration on our Client Portal following completion of our enquiry form.  Therefore we cannot be held responsible for issues or consequences in this area where sensitive data is sent to us unsecurely or unencrypted.


If you wish to register a complaint, please write to us at the address above or email us at


A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 0234 567.

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