Through simple financial planning, we can minimise the amount of tax payable upon your savings and investments.

Many people pay additional Income Tax and Capital Gains Tax, simply because they are unaware of how to maximise the tax efficiency of their savings and investments.

Just some of the types of investment that we will advise upon include:

- Individual Savings Accounts (ISA) & TESSA only ISAs (ToISA's): Allow each individual to invest up to £7,200* each tax year totally free of Capital Gains and Income Tax.

- Open Ended Investment Companies (OEICS) & Investment Trusts (IT's): Provide a tax efficient way of saving and investing and if individuals utilise their various annual allowances can even be tax free.

- Investment Bonds: Can be a particularly useful tax shelter for higher rate tax payers, and also have the ability to provide tax free income, subject to revenue limitations.

- National Savings & Investments: Many of the accounts offered are tax efficient or tax free, providing further havens from the Inland Revenue.

- Child Trust Fund: Tax free savings for your children of up to £1,200 per year, up to the age of 18.

We aim to minimise your tax position and maximise your returns whilst investing in a manner which is appropriate to your own attitude towards risk.

* Tax information given is based on the 2008/2009 tax year, and may be subject to change in the future.

The value of SOME investments ARE not guaranteed and can go up and down depending upon investment performance.
You COULD GET BACK LESS THAN YOU'VE PAID IN

Partners: Kenneth Harrington & Katherine Harrington
Harrington & Horne Financial Services are Independent Financial Advisers which are directly authorised and regulated by the Financial Services Authority
Head Office: 31 Southdown Avenue, London W7 2AG