“The measure of wealth is how much you'd be worth if you lost all your money.” - Robert Kirkbride

Navigating and staying current with UK tax regulations can be both complicated and time-consuming. We assist our clients by structuring their finances to maximise tax efficiency.
With the support of a dedicated Tax and Technical team, alongside the Technical Connection division at our firm, we are well-positioned to create smart, tax-efficient investment strategies and ensure they remain effective as legislation evolves.

As a wealth management firm, we carefully assess the tax implications of dividends, income, and capital gains within each client’s portfolio. Our tax planning approaches include:

• Aligning tax-generating assets with tax-efficient accounts
• Offsetting capital gains with losses when appropriate
• Utilising tax-exempt and tax-advantaged investment options as applicable
• Continuously monitoring the after-tax performance of your investments and providing taxable distribution reports to your accountant
  Research indicates that tax-aware investing can play a crucial role in enhancing a portfolio’s long-term growth.

We provide you with a tailored plan, modeled and stress-tested against your individual cash flow, showing how you can gradually reduce working hours or generate a partial income.

Pension contributions can become complex, especially with higher income levels. We offer advice on making the most of tax-efficient pension savings, including the best way to use carry forward allowances if you have surplus funds to contribute or are resuming contributions—for example, following the removal of the Lifetime Allowance (LTA).

Many employers contribute to your pension at rates well above the statutory minimum, particularly in senior roles. We can help you maximize these employer contributions alongside your own, using a tax-efficient strategy designed to align with your anticipated retirement fund needs.

Please note, the value of investments with Kirkbride Private Wealth depends directly on the performance of the funds you choose. Values can go down as well as up, and you may receive back less than you invested.

Tax rates, rules, and reliefs can change without notice, and the value of any tax relief depends on your personal circumstances.

With our expert knowledge around inheritance tax (IHT) we can help structure your financial positions, remuneration, retirement planning, protection and business exits, in a way that could mitigate your IHT liability, helping you to pass more of your wealth on to your descendants, and to charitable causes.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Exit strategies may include the referral to a service that is separate and distinct to those offered by Kirkbride Private Wealth.

Our family office is designed to operate as an exclusive private members club, providing a highly personalised approach to wealth management. This model creates a close-knit community where members gain access to bespoke financial advice, unique investment opportunities, and valued peer connections. 

The private club structure fosters trust and long-term relationships, enabling a focused and curated wealth management experience tailored to high-net-worth individuals who value discretion, personalised services, and a sense of belonging. This approach encourages deeper collaboration and promotes a strategic, long-term vision for wealth growth and preservation.

*As a disclaimer, this is an opt-in service, our families reserve the right to remain anonymous and opt out of any networking opportunities if they prefer to maintain their privacy

Our family office advisers are chartered & operate globally.

For discerning UK families and ultra-high-net-worth individuals, sophisticated wealth management demands strategies that transcend domestic convention—among which offshore life assurance bonds stand as a hallmark of elite financial planning. Crafted within prestigious international jurisdictions, these bespoke structures offer privacy, access to a curated universe of global investment opportunities, and unrivalled tax efficiency, with capital allowed to compound free from immediate UK taxation until such time as distributions are strategically orchestrated. When integrated with other esteemed offshore solutions—such as private banking facilities, family trusts, and international investment companies—offshore bonds empower family offices not only to optimise generational wealth but to ensure legacy planning with discretion and precision. This approach, woven into a tapestry of cross-border expertise, underpins a private client offering defined by exclusivity, protection, and enduring advantage in an increasingly complex regulatory world.

Our partners globally are not directly associated with Kirkbride Private Wealth & are strategic partnerships only.