Tax Efficiency Advice

Income, capital gains, and inheritance taxes can quietly erode the wealth you’ve worked hard to grow, and the rules grow more complex every year. Without clear strategy, too much of your money risks being lost to inefficiency, leaving less for the life you’re living and the legacy you want to create.

Protecting Your Wealth From Unnecessary Tax

Every year, countless individuals lose more of their wealth to tax than they should. Unclear rules, missed allowances, or poorly structured investments all take a toll. For high earners, expats, and families planning for the future, the impact can be devastating: retirement incomes weakened, inheritances reduced, business exits devalued.

Tax efficiency advice gives you the clarity to cut through that complexity. With the right strategy, you keep more of what you’ve grown, protect it for the people who matter most, and turn potential tax drains into opportunities for growth, freedom, and legacy.

Tax Efficient Investing

From ISAs and pensions to family investment companies, onshore and offshore bonds, the way you structure investments makes a big difference to what you keep. We design portfolios that balance growth with tax efficiency, minimising liabilities, using allowances wisely, and rebalancing strategically. The result is tax-efficient strategies that keep more of your returns compounding toward your long-term goals.

Retirement & Pension Strategies

Retirement should be about freedom, not frustration with tax bills. We create tax efficient retirement withdrawal strategies that combine pensions, ISAs, and taxable accounts to give you flexibility and control. Whether it’s pension drawdown planning, timing lump sums, or structuring retirement income, we ensure your retirement strategy is as tax efficient as possible, protecting wealth throughout later life.

Business & Entrepreneur Planning

Selling or passing on a business can trigger one of the largest tax events of your life. We help entrepreneurs and business owners with profit extraction, succession, and exit planning designed to be tax efficient. From reviewing company structures to identifying the most tax efficient way to sell a business, we protect enterprise value and ensure more of your wealth is preserved for your next venture, retirement, or family.

Capital Gains & Income Planning

Without planning, capital gains and income tax can erode wealth faster than you expect. We use capital gains tax planning strategies to optimise disposals, harvest losses, and make full use of allowances. For high earners, we also create tax efficient income strategies — balancing dividends, salary, and savings allowances to ensure you enjoy income in the most tax friendly way possible.

Inheritance & Family Wealth

Inheritance tax can take a significant portion of your estate — up to 40% on assets above the tax-free threshold, depending on individual circumstances. We design tax-efficient strategies that use trusts, gifting, pensions, and charitable giving to mitigate exposure. Whether you want to transfer assets smoothly, leave charitable legacies, or structure intergenerational wealth planning, we provide clarity and confidence that your wealth will pass on efficiently and in line with your wishes.

Cross-Border & International Advice

For expats and internationally minded families, cross-border tax planning is essential. We navigate residency, domicile, and multi-jurisdictional assets with strategies tailored to your situation. From QROPS and SIPPs to offshore investments and double-taxation treaties, we provide international tax advice that ensures compliance while maximising efficiency across borders.

Tax Efficiency Across Every Stage of Wealth

Effective tax efficiency isn’t a single tactic. It’s a combination of smart investing, retirement withdrawal strategies, business structuring, and legacy planning. From capital gains to cross-border assets, we focus on the core elements that minimise tax, preserve wealth, and give you clarity and control over how your money supports both your life today and the generations to come.

For Investors, Entrepreneurs, and International Families

Our clients see tax efficiency as more than just saving money. It’s about structuring wealth intelligently so more of it fuels their lives, futures, and legacies.

Discover tax efficiency advice that reduces unnecessary tax, protects wealth, and creates strategies for investing, retirement, business and legacy.

High earners seeking tax efficient investing and savings strategies

Discover tax efficiency advice that reduces unnecessary tax, protects wealth, and creates strategies for investing, retirement, business and legacy.

Retirees designing tax efficient pension drawdown and withdrawal plans

Discover tax efficiency advice that reduces unnecessary tax, protects wealth, and creates strategies for investing, retirement, business and legacy.

Entrepreneurs and business owners planning exits, profit extraction, or succession

Discover tax efficiency advice that reduces unnecessary tax, protects wealth, and creates strategies for investing, retirement, business and legacy.

Expats navigating international tax rules and multi-jurisdictional assets

Discover tax efficiency advice that reduces unnecessary tax, protects wealth, and creates strategies for investing, retirement, business and legacy.

Families using trusts, gifting, or charitable giving to pass on wealth efficiently

Your Income. Your Gains. Your Legacy.

Tax efficiency advice is about protecting every part of your wealth from unnecessary erosion.Without careful planning, income can be overtaxed, capital gains can trigger unexpected bills, and inheritance tax can take a large share of what you intend for your family.We structure your wealth with strategies that make tax work smarter, not harder. That means creating tax efficient retirement withdrawal plans. Balancing income between dividends and salary. Managing capital gains tax with precision. Ensuring business exits or succession are handled in the most efficient way possible. All of these things help improve tax efficiency and can be easily implemented with the right strategies. For families, we integrate trusts, gifting, and charitable giving to reduce inheritance tax and preserve harmony across generations.For clients with international ties, we also advise on residency, domicile, and multi-jurisdictional assets, making sure your wealth is tax efficient across borders. The result is clarity, compliance, and confidence that more of your wealth supports your life todayand the legacy you want to leave tomorrow.

FAQs

Tax rules can feel complex, and the same questions come up time and again. We’ve answered some of the most common queries around tax efficiency, investing, retirement income, and cross-border planning to give you clarity and confidence.

Tax efficiency means structuring your finances so you don’t pay more tax than necessary. It’s not about avoidance, but about making sure income, investments, pensions, and business assets are managed in the most efficient way. The right tax efficiency advice helps reduce unnecessary tax, protect your wealth, and give you clarity over how much of your money goes toward your goals, your family, and your future.

Tax efficient investing focuses on where and how your money is placed, so more of your returns are kept rather than lost to tax. This may involve using ISAs and pensions, choosing tax efficient mutual funds or ETFs, and structuring a tax efficient portfolio across taxable, tax-deferred, and tax-free accounts. For high earners, strategies such as asset location, rebalancing, and tax-loss harvesting can all help reduce tax drag and improve long-term growth.

Retirement income is one of the areas most exposed to tax inefficiency. Creating tax efficient retirement strategies means sequencing withdrawals from pensions, ISAs, and taxable accounts in the right order, planning pension drawdowns carefully, and making use of allowances. A tailored approach can minimise income tax, reduce inheritance tax exposure, and give you a sustainable, tax efficient retirement income that lasts for life.

The most tax efficient investments depend on your circumstances, but ISAs, pensions, and tax efficient mutual funds or ETFs are usually central to an efficient strategy. Tax efficient funds are designed to reduce distributions and manage capital gains more effectively, making them suitable for taxable accounts. For high earners and internationally mobile clients, more advanced tax advantaged investment strategies may also be considered.

Capital gains tax planning strategies focus on timing and structure. This could mean spreading disposals across tax years to use annual allowances, offsetting gains with losses, or holding certain investments inside tax efficient funds or wrappers. For property or business sales, planning ahead is essential — often the most tax efficient way to sell a business or asset is to restructure ownership, use reliefs, or integrate the sale into your broader wealth plan.

For entrepreneurs, business owners, and company directors, tax efficiency is key when it comes to profit extraction or exit planning. The most tax efficient business structures balance salary, dividends, and other forms of income. When selling, the right structure can significantly reduce capital gains tax and preserve more of the value you’ve created. Tax efficient succession planning and profit extraction strategies ensure both your immediate goals and your long-term legacy are protected.

Cross border tax efficiency advice helps internationally minded families avoid the pitfalls of double taxation and conflicting rules. Key strategies include understanding residency and domicile, making use of double taxation treaties, and structuring pensions and investments appropriately — for example, using SIPPs or QROPS. International tax planning ensures compliance in each jurisdiction while keeping your wealth as tax efficient as possible, so it can support your lifestyle abroad and the legacy you want to pass on.

Protect Your Wealth From
Unnecessary Tax

Speak with an experienced tax efficiency adviser today and discover how a tailored strategy can reduce your tax burden, maximise what you keep, and give you clarity over your income, investments, and future.

Forest Wealth