Corporate Services

Tax Planning

Tax Planning

When it comes to your business savings, investments and pension scheme, a few easy tax-planning measures can dramatically cut the tax you pay, giving a healthy boost to the returns you and your business get.

Whether we’re talking about the money we earn or the money our savings earn for us, the taxman takes as much as £4 in every £10.

But while most of us dislike paying tax, over four in every five of us bury our heads in the sand instead of doing anything to cut our rising personal tax bills. In fact as a nation we waste a staggering £9.3 billion each year by not taking any action.

At Sterling Financial Services we provide dedicated member support, and provide a Structured investment process, and can provide educational seminars and training events to help with the planning and implemtation of various tax strategies, in order to benefit from various tax savings.

If you would like further information on the following, please feel free to contact us for a free without cost and obligation consultation.

  • Corporation Tax
  • National Insurance
  • Capital Gains


Are you a business owner, company director or trustee with responsibility for providing a pension? Do you understand your pension obligations and if your existing scheme is right for your business? Given the shifting investment landscape, changes in pension laws and enhanced legislative duties, effective pension planning is now more important than ever.

At Sterling Financial Services our pension advice and management service cuts through the confusion. We take time to understand your needs and recommend an appropriate pension solution, for both your business and your employees. We also provide in house training and seminars to launch the scheme to your employees and provide ongoing support.

In addition we provide dedicated member support, including an individual pension advice service for employees, and carry out reviews on the employees existing arrangements, lifestyle goals and objectives, and create a plan that incorporates their pension into their overall investment strategy.

Our corporate pension solutions are designed to be flexible and meet the evolving needs of your business. We understand that things change. Directors may leave or you could have a large influx of new employees. We ensure our schemes are built for whatever eventualities arise.

We also provide specialist taxation advice for directors and business owners to ensure pension contributions are structured.

For further information regarding our corporate pension proposition please contact us to arrange a free without obligation consultation.

  • Grouped Stakeholder Plans
  • Grouped Personal Pensions
  • Occupational Pension Schemes
  • Executive Pension Plans
  • Self Administered Schemes
  • Trustee Investment Plans
  • AVC Schemes


A business partnership can be an effective method of pooling resources and skills to the financial advantage of all concerned. However, it brings with it responsibilities and the possibility of financial burden, especially when one of the partners dies, retires or becomes incapacitated.

For a partner, his share in the business is likely to be his greatest financial asset so he needs to take steps to protect it, not only for the benefit of his family but also for the benefit of the other partners in order to help ensure the continuation of the business. The directors of private limited companies are in a similar position.

However, with the correct plans and strategy in place, these concerns can be easily met, often with the premiums payable for such policies being treated as a taxable expense.

If you would like more information on the following products, please contact us to arrange your free no obligation consultation.

  • Share Protection
  • Partnership Protection
  • Key Person Assurance
  • Group Death in Service Schemes


As a Business owner are you aware of the various investment veichles available to your business? Many of these qualify for large tax savings. At Sterling Financial Services we are dedicated to responsible wealth management and comprehensive investment planning.

We understand that our clients have entrusted our firm with their hard-earned money and will respect this by managing your money with restraint, independence and honesty.

Good investing is not just about doing well during the good times, but also protecting capital during the bad times.

Today there are a bewildering range of savings and investment options available to the investor such as:

  • ISAs
  • Bonds
  • Investment Trusts
  • OEIC
  • Unit Trusts
  • Off Shore Bonds
  • Government Gilts
  • Childrens Savings Plans

Building an investment portfolio must take into account tax opportunities and implications, attitude to risk and reward and balancing it to the need for income, growth or both.

Wealth creation and management is an ongoing process and we look to have regular contact to ensure that we give you the best chance to achieve your investment and savings targets.

We can provide a full investment advice and portfolio planning service for you, and provide annual reviews as part of our service., in addition we utilise the latest technology to provide a modern solution to your needs as we communicate with customers by e-mail and phone as well as face to face. You will also have access to your online file so you can keep up to date with your products, and obtain live valuations of your portfolio.

Please contact Sterling Financial Services on 01444 871661, or feel free to download our guide to Wealth Management Service here.