Personal Tax Planning

Personal Tax Planning & Advice

When it comes to personal tax, simply meeting deadlines isn’t enough. Real value comes from taking a strategic, forward-thinking approach - one that looks ahead, connects the dots, and aligns your tax position with your broader financial goals.

At Lumina, we focus on what’s ahead as much as what’s due. Whether it's understanding how your Income Tax liabilities will evolve, planning for Capital Gains, or ensuring your estate is passed on efficiently, our expert team brings clarity, foresight and peace of mind. Because tax isn’t just about obligations - it’s about being efficient in everything you do.

Income Tax Planning

Income Tax planning is more than just ensuring you file on time - it's about understanding your income streams and structuring them efficiently. From salary and dividends to rental income and investments, we help you make the most of your income.

At Lumina, we ensure you're fully utilising your personal allowances and all available reliefs - so you can manage liabilities effectively and plan with confidence.

Capital Gains Tax (CGT) Planning

Selling a property, business, shares or other assets? Without the right planning, you could face unnecessary Capital Gains Tax. We help you anticipate the tax implications of asset disposals, utilise available exemptions and reliefs, and time events to maximise tax efficiency.

When it comes to CGT, having time on your side is essential. The earlier you plan, the more options you have - so think about choosing the right partner now, rather than when a sale is already underway.

Whether you’re preparing for a one-off sale or building a long-term investment strategy, Lumina ensures your decisions are driven by the full financial picture.

Inheritance Tax (IHT) Planning

Inheritance Tax can have a significant impact on your estate - but thoughtful planning can make all the difference. At Lumina, we take time to understand what you want your wealth to achieve in the future, and help you put a clear, structured strategy in place.

We work closely with you to ensure your estate is managed and protected in a tax-efficient way - supporting your loved ones, reflecting your wishes, and helping you pass on your legacy with confidence.

A Holistic Approach: Partnering with Lumina

Connecting business and personal tax for bigger-picture thinking

Personal tax rarely exists in isolation. At Lumina, we work alongside your wider team - including IFAs, business accountants and families - to ensure every decision makes sense from all angles. That means aligning your personal, business and investment strategies into one cohesive plan.

Our suite of specialist services is built for entrepreneurs, directors and SME owners who want more than just advice - they want a partner who understands the complete picture.

Take the next step towards clarity, control and confidence in your personal tax planning.