Tax Planning

Tax PlanningAt True Bearing we aim to develop tax planning strategies that can help you manage your affairs in the most tax-efficient way.

Inheritance Tax Advice

Many of our clients wish to act to mitigate or reduce Inheritance Tax. There are several ways to do this in line with HMRC rules and guidelines.

Solutions can demand both financial and legal work. True Bearing are particularly well prepared for this having both skill sets within our services. Why not ask your adviser if he or she can include Inheritance Tax Planning in your advice package?

Tax Efficient Investing*

Whatever pension or investment strategies we advise you on, your True Bearing Adviser will always look to utilise your reliefs and personal allowances. This is called Tax Efficient Investment Planning

Pensions, ISAs, On and Offshore Investment Bonds all lend themselves to Tax Planning. Also, Venture Capital Trusts (VCT’s) Enterprise Investment Schemes (EIS) and Business Property Relief Investments may reduce your tax bills.

Your IFA will consider your specific personal allowances, including your income and capital gains tax allowances, including dividends, your inheritance tax allowances, corporate tax rates if applicable, and national insurance levels and thresholds.

If you have your own accounting and/or legal specialists we are more than happy to liaise with them.

* True Bearing are not accountants. For accountancy advice, you should consult your own specialist.

Annual Tax Efficient Investing Guide

Each January we produce an up to date guide on tax efficient investing. The author is our own Compliance Director, Helen Lupton. The guide is to assist you before the end of the current tax year in April.

To receive a copy of the guide next January please contact Helen Lupton (

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What our clients are saying about us

Excellent service from Jon Neale and True Bearing Chartered, people who really do know what they are doing . He explained everything about my pensions clearly and precisely and has put them into a fund where I am secure in the knowledge that I will have an income from them for my retirement. Perfect five star service from a company I would happily recommend to anyone

Darran Wrigley, Manchester

I have known Greg for several years, as he used to be my mother’s adviser. He found me a better deal on my mortgage where I have reduced my monthly outgoings.  He was also able to find a more suitable and less costly life and critical illness insurance policy.  The information that he has provided has always been very helpful and I would recommend him to anyone.

Christine Champan, Cumbria

Because Les provides comprehensive and sound financial advice to me personally and to my family, I have no hesitation in recommending him when our clients ask us about pensions or investments.  Les’s friendly and approachable manner displays a wide knowledge of financial solutions, and he always explains in detail the options given, so that an educated decision can be made.

Josie Smith, Accounts Matters Ltd – Lancaster

We have dealt with David Oversby for the majority of our financial affairs for the last 10 years. We have found him to be professional and attentive at all times offering astute and accurate advice.

Jo Blakeway, Radio Presenter, Century FM

We have used Rob for advice in a number of differen areas, especially in relation to our pension planning and insurance policies, and he has always provided us with a clear solution. We have happily recommended him to many of our friends and family and will continue to do so. He is a pleasure to deal with.

G McDonald, Senior Project Manager, EC Harris – Leeds

For the first time, I can now look to a planned retirement in the safe knowledge that Julie has my needs in mind and can advise me instantly on how to deal with any unplanned occurrences. I have in turn recommended Julie to my family, friends and work colleagues as she shows honesty, reliability and a great determination to get the best for her clients.

Tony Carden, Commercial Manager – Liverpool

Mark produced a report addressing my concerns about Inheritance Tax. He recommended the use of an offshore investment and a protection plan which would have an immediate benefit to my financial planning.As a result of his advice, I estimate that my estate will save over £250,000 in Inheritance Tax, although Mark contacts me regularly to ensure that my planning is effective. I would recommend Mark and True Bearing to anyone wishing to protect their assets and pass on wealth to their families.

Mrs H, JP – Lytham

Michael has been my IFA for some years, managing my SIPP and providing ongoing general investment advice.  Having used other companies previously, he came as a breath of fresh air.  His client care and attention to detail is absolutely superb, and following his advice at our regular reviews during each year has stood me in good stead as regards the performance of my SIPP, which has consistently been most satisfactory, despite the difficult financial times over the last couple or so years.

John Wane Esq, McKendrick and Wane Ltd – Preston

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