Don’t overlook transferring assets to your spouse if they are lower earners. This makes use of their personal allowance (£6,475) and also capital gains allowance (£10,100). You can also make use of a spouse’s basic rate tax band at 20% on earnings up to £37,400.

You can register investments in joint or sole names and married couples and civil partners can share income 50:50 by simply registering title in joint names.

Call Mark Busby on 01344 620495 or email your Enquiry.