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Corporate advice from Select Investment Managers

Owning a company involves many responsibilities, including the need to operate along sound financial principles. Minimising tax liabilities and maximising investment opportunities can make the difference between a profit and a loss on the end-of-year balance sheet, while it’s equally essential to ensure all legal and financial obligations are being met timeously. However some are easy to overlook amid the daily pressures of owning or managing a business.

Select Investment Managers specialise in corporate financial planning, helping small businesses throughout central Scotland with pensions, investments and protection. We have trained advisers in Edinburgh, Livingston and Falkirk, all of whom understand issues like national insurance exemptions and the provision of death in service benefits. We can recommend tax-efficient options, and our advice is constantly being updated to reflect the ongoing legislative changes that affect everything from company pension contributions to property ownership through SIPP.

It isn’t always obvious how to extract money from a company in the most tax-efficient way, or what is required to comply with today’s ever-expanding web of paperwork and regulations. However, with regular financial planning and guidance from Select Investment Managers, everyone from sole traders to the directors of famous brands can manage their company financial planning requirements in the most efficient and effective manner possible.

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Tips for running a tax-efficient business

Many companies make the mistake of leaving their profits and cash reserves in a business bank account where it earns virtually no interest, and is effectively depreciating compared to real-world inflation and price rises. Corporate investments can make these reserves work much harder, delivering rates of return that often generate valuable extra funds for future expansion – or act as a buffer against a possible downturn in the firm’s fortunes. Onshore and offshore bonds are among the ways accumulated profits can be made to work harder, though directors should always seek guidance from a Select Investment Managers adviser before proceeding.

The team at Select Investment Managers can also recommend other legitimate ways for a firm to reduce its tax liabilities, such as company pension contributions that enable directors to extract finance in a tax-efficient manner. We will always consider a company’s requirement for rapid cash access or possible future changes like expansion, as well as the degree of risk aversion among the directors and decision-makers. We also recognise that company owners are in the best position to determine the future of their business, so our recommendations will always dovetail with the aspirations and concerns of directors.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount you invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

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