At FLM we have extensive expertise in the area of tax planning and can offer the full spectrum of options available, backed by our guarantee that if we can't save you our fee in tax in your first year, we won't charge you for the work we do.


We regularly save people thousands of pounds per annum as HMRC actively encourages many forms of tax planning because it is beneficial for the wider economy. Each year they offer over £100bn in government approved tax relief.


With the impending deadline for filing tax returns, it is worth asking how much of that are you receiving?


A cost and obligation free exploratory conversation with one of our advisers may well be the best thing you can do to ensure you are in the optimal position before you file.


Many people in the UK are required to lodge a tax return each year but are unaware that they need to do so. 

The reasons you may need to submit a tax return include, but are not limited to:

  • Your taxable income was over £100,000

  • Your income from savings or investments was £10,000 or more before tax

  • Your income from dividends from shares was £10,000 or more before tax

  • You got £2,500 or more in untaxed income, for example from tips or renting out a property - contact HMRC if it was less than £2,500

  • You made profits from selling things like shares, a second home or other chargeable assets and need to pay Capital Gains Tax

  • You were a company director - unless it was for a non-profit organisation (such as a charity) and you didn’t get any pay or benefits, like a company car

  • You were self-employed - you can deduct allowable expenses

  • Your income (or your partner’s) was over £50,000 and one of you claimed Child Benefit

  • You had income from abroad that you needed to pay tax on

  • You lived abroad and had a UK income

  • You were a trustee of a trust or registered pension scheme

  • You had a P800 from HMRC saying you didn’t pay enough tax last year - and you didn’t pay what you owe through your tax code or with a voluntary payment

  • Your State Pension was more than your Personal Allowance and was your only source of income - unless you started getting your pension on or after 6 April 2016

  • Certain other people may need to send a return 

  • If you have been told to send a return

  • Claiming tax relief



We will respond to you within 1 business day.

Floors 2 & 3,

Basildon House,

7 Moorgate, 



020 7710 3402

© 2020 FLM Ltd. 

FLM is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website The title 'Partner Practice' is the marketing term used to describe St. James's Place representatives. FLM Wealth Management is a trading name of Financial Lifestyle Management Ltd.