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Contents 3 Welcome to our
10 Cryptotax Decrypted
latest newsletter, covering the key tax and insurance issues facing individuals
12 Is this the best time to sell my second home?
4 End of Tax Year
14 Tax Rules on Divorce
Planning Checklist (2021/22)
6 Relight my fire 8 All change for
Financial Planning
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Welcome to our latest newsletter, covering the key tax and insurance issues facing individuals.
At Scrutton Bland, our private client service is here to help you make tax-efficient decisions, protect your assets and grow your wealth by joining up the conversations you have with your professional advisers, so that we can all work collaboratively to achieve the best outcome for you. T he upheavals and stresses caused by the pandemic have affected most of us in one way or another, but we have taken care to maintain the high level of service to our clients and have been delighted to expand our Private Client Tax team with the arrival of Simon Hurren, who joins us as a Director with the remit of looking after the tax needs of our private clients. This newsletter contains a variety of timely and useful articles aimed at delivering a mix of professional advice from across all our financial disciplines. We have included a useful checklist of tax deadlines to be aware of, to ensure that
Jason Fayers
Our specialist advice is tailored to each of our clients to make sure we only offer solutions that hold real benefit for you. We provide a holistic view of your finances to ensure that each decision works in harmony with your entire suite of financial services. If you have any questions or would like to talk to one of the Private Client team please don’t hesitate to get in touch.
you make the most of your allowances and tax reliefs. There is also a useful look at the tax rules on divorce – a subject which is rarely covered but becomes very important to clients in that situation. Cryptocurrencies have had a huge amount of coverage in the media, but they remain an unregulated and very risky choice, and we look at the dangers of choosing this form of investment, not least the tax implications when you come to sell them. In this issue, we’ve also included an informative and detailed piece of things to bear in mind if you are thinking about selling your second home.
My best wishes to you and your families for 2022.
We continue to work closely alongside the Financial Planning team, who are now part of Emery (IFA) Ltd, and include an article from the team about the the changes that have occurred, along with more information about how they can help you going forward.
Jason Fayers Managing Partner
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End of Tax Year Planning Checklist (2021/22) With the end of the tax year approaching, many people including entrepreneurs, high-net-worth individuals, retirement planners and retirees will be thinking about getting their finances in check. The last year has certainly provided plenty of challenges, and although your finances may not have been at the forefront of your mind, it’s still worth taking some time to consider the tax planning opportunities that are available.
With that in mind, this checklist covers everything you need to consider before 6 April 2022 to put you and your family in the best possible position.
Key tax planning areas to consider As well as optimising your tax planning for the current year (2021/22), it’s also important to take the time now to think about strategies to minimise tax for the year ahead (2022/23). Tax planning strategies usually are most effective when implemented before the tax year begins. The following are the key areas to consider. Income tax Personal income of between £100,001 and £125,140 is taxed at an effective rate of 60% due to the loss of the personal allowance, while income over £150,000 is taxed at 45%. Child Benefit is tapered for incomes between £50-60k so for a taxpayer with two children who receives Child Benefit of £1,827.80 per year (2021/22 rates), the effective rate of tax is 58.3% in this income bracket, while for those with three children who receive Child Benefit of £2,555.80, the effective rate of tax is a whopping 65.6% for income between £50-60k. You should consider steps to reduce your taxable income to below these levels if you can, in order to avoid the higher rate of tax. Increasing your pension contributions might be an effective way to do that. Alternatively, you could consider:
Capital Gains Tax Most individuals have a Capital Gains Tax allowance of £12,300 for the 2021/22 tax year. Any assets that are sold at a loss can reduce gains for the year or be carried forward and set against future capital gains. Importantly, any of the annual exemption not used cannot be carried forward and will be lost. Assets can be transferred between spouses and civil partners tax efficiently to ensure both exemptions are used fully. You can also choose to defer the Capital Gains Tax payment for a year by making a disposal after 5 April 2022. Alternatively, you can use two annual exemptions in succession making one disposal before 6 April 2022 and one just after. Gift Allowances Individuals have an annual tax-free gift allowance of £3,000. This can be carried on for one year but will be lost if it remains unused after that. If you have an annual exemption that you’ve carried forward from last year, it must be used before 6 April 2022. Individuals can also make as many gifts of up to £250 per recipient as they like per tax year, free from Inheritance Tax (IHT). However, that only applies if the recipient has not received any part of your £3,000 IHT-free gift allowance.
Other steps you can take to reduce your income tax liability include:
• Ensuring married couples / civil
partners both have sufficient income to use their full personal allowance: £12,570 in 2021/22, or claim the Marriage Allowance where it is not possible to redistribute income. The result will be tax relief of up to £252 for the current year. No tax is payable on transfers between married couples or civil partners, unless you are formally separated, in which case specialist advice is required. Replace investments that provide taxable income and gains with tax-free investments such as ISAs or investment bonds that allow valuable tax deferment.
• Redistribute investment capital between spouses / civil partners to reduce the tax incurred on income
and capital gains. No tax is payable on transfers between married couples and civil partners.
• Transferring an income-generating asset to a spouse with lower income
• Deferring income to a later tax year
• Making Gift Aid payments
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Annual allowance for pension contributions
Tax-efficient investments Income tax relief is available to reduce your tax liability on the following investments: Venture Capital Trusts (VCTs) - Investments of up to £200,000 per year qualify for income tax relief at 30%. There’s no capital gains tax payable on any profit made when selling the investment and dividends are received tax-free. Enterprise Investment Scheme (EIS) - Annual investments of up to £1 million in qualifying companies attract income tax relief at 30% (or up to £2 million if at least £1 million is invested in knowledge intensive companies). If the investment is held for over three years then any capital gain is free from CGT. Seed Enterprise Investment Scheme (SEIS) - Investments of up to £100,000 per tax year can be made in start-up companies that qualify for the SEIS. Income tax relief is available at 50%. No CGT is payable on disposal if the investment is held for more than three years. Both EIS and SEIS investments can be carried back to obtain income tax relief available but not used in the 2019/20 tax year.
Electric cars If you are thinking of switching to an electric car for business use, the tax benefits are well worth exploring and include enhanced capital allowances, lower benefits in kind (determined by the vehicle’s CO2 emissions and fuel type) and £0 road tax for 100% electric vehicles until at least 2025. You will be able to benefit from capital allowances, car benefits in kind (determined by the vehicle’s CO2 emissions and fuel type) and zero tax on fuel benefits in kind. Gift Aid Tick the box to say you are a UK resident and taxpayer when making Gift Aid payments and you’ll receive 20% or 25% of the donation as a reduction in your tax liability. To make the most of Gift Aid, the person with the highest tax rate in your family should ideally make the payment. Your financial future is in safe hands At Scrutton Bland, ensuring that our clients and their families get the best outcome from their efforts is part of the process of providing clear and effective independent financial advice to help you maximise your wealth and make informed tax planning decisions. Whether you are a business owner or private individual, making informed decisions and utilising the allowances available to you can make a dramatic difference to your wealth in the long- term. With tax and financial planning experts waiting to work together on your behalf, the first step on this long-term relationship is to get in touch to arrange a free, confidential consultation at a time that works for you.
Investments in your pension are free from income tax and capital gains tax, but there is a limit to the amount you can pay in. The current standard tax-free pension allowance is £40,000 or 100% of earned income, whichever is higher. The carryforward rules allow you to make use of any annual allowances that were not used during the last three years. That makes 5 April 2022 the last opportunity to use unused allowances from 2018/19. If your adjusted income ie your taxable income plus employer pension contributions, is over £240,000, your annual tax-free pension allowance falls away by £1 for every £2 of income. There is a minimum tax-free pension allowance of £4,000 for those with adjusted income of more than £312,000. You can also pay up to £3,600 into a pension pot for your spouse, a civil partner or a child and benefit from basic rate tax relief on the contributions.
Savings and investments
• Ensure the savings income for both individuals in a married couple or civil partnership is sufficient to use their full £500 or £1,000 personal savings allowance and £2,000 dividend allowance. • Shareholding directors of private companies can pay themselves up to £2,000 of dividend income for 2021/22 tax-free. • If interest on investments or savings is due to be paid just after 5 April 2022, closing the account before the end of the tax year can bring the interest forward. That will allow you to use up any surplus personal savings allowance you have for the current tax year.
Additional tax planning areas to consider
While the points we’ve covered are likely to be relevant to most people, there are also some specific tax planning areas that may apply to others: Trading and property allowances Two £1,000 tax-free allowances are available, one for income from property and the other from trading and miscellaneous income. They can reduce your tax liability if you generate a modest income, for example, by renting out a room on Airbnb or selling items on eBay or Amazon. Employment If you have had to work from home due to Covid-19, you can claim tax relief worth up to £125 for the additional household expenses incurred such as heating and business calls. Tax relief can also be claimed on your usual business expenditure such as professional subscriptions and business miles travelled in your own vehicle.
ISA allowances You should increase your savings if
necessary to make the most of the £20,000 tax-free ISA allowance per person. Married couples can invest £40,000 over the year with no capital gains tax or income tax to pay. Any unused allowance cannot be carried forward.
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Relight my fire As the chilly winter nights continue, many people welcome the chance to get a real fire burning in their homes. The sight, smell and warmth of logs crackling in the hearth appeals to our most primeval instincts, but there are risks associated with having a real fire, and your insurer will need to know that you have your chimney swept on a regular basis.
Why are coal and log fires such a risk? Burning organic matter like coal and wood causes a build-up of ash and creosote deposits in the chimney. If left untreated these accumulations of soot and tar will constrict the size of the flue, which in turn lowers the draw of the smoke up through the chimney. You may notice your room becoming smokier, the fireplace becoming blackened and furnishings getting grubby as the downdraught smoke tarnishes the objects in the room. The sooty deposits inside the chimney will warm up whenever there is a fire burning, and can eventually ignite, causing flames to appear from the chimney pot. Chimney fires can damage your chimney and crack or break the chimney pots, or in the worst case can spread to engulf other parts of the property and cause more widespread destruction. More serious still is where the flue becomes blocked, so that carbon monoxide fumes from solid fuel fires cannot escape from the chimney and come back into the room. If these fumes are inhaled they can cause serious damage to your health, and can even kill.
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The insurance implications of a real fire Your insurance company will expect you to have your chimney swept regularly. This means at least annually for a coal fire and more frequently for wood burning stoves or bituminous coal. You should also notify your insurance company if you’re installing a real fire for the first time, because you’re adding to the fire risk of your property, which may in turn alter your policy, and you might not be covered for it. You are strongly advised to use a professional chimney sweep. The NACS is the registered professional body for chimney sweeps and will provide you with a sweeping certificate which you will need for your insurance company in the event of a claim.
Scrutton Bland Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority
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All change for Financial Planning It’s been a year of change for Scrutton Bland’s Financial Planning Department
(Scrutton Bland Financial Services Limited) as they became part of the Socium Group in September 2021. Matt Merchant, Independent Financial Adviser with the firm looks at how the new structure will work and how the relationships built up by the firm continue to flourish under the new structure.
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What has changed? The honest answer is that for our clients nothing has changed, except for our ownership structure. Our clients continue to deal with their trusted advisers and our wider teams with whom they have built fantastic relationships over the years. Crucially, we retain our independent status, meaning we are not incentivised to choose one solution for a client over another and continue to provide truly independent financial advice to our clients. Is the joined-up approach still in place? We are still based in the same offices as the Scrutton Bland Group and continue to closely work with them to assist both existing and new clients. We were always a separate company structure to the rest of the group for regulatory reasons, so our change of ownership does not affect our ability to work together. A good example of this was late last year when I was contacted by Scrutton Bland’s Corporate Finance department who had been advising the directors of a local publishing firm on the sale of their business. The directors needed professional advice on their pensions as well as the appropriate investment of their sale proceeds, and as I’m a specialist in that area, asking me to talk to them was the logical thing to do. What do you think will change this year? It is still early days under our new ownership and various aspects of the business will be reviewed over the next twelve months or so as we align with the wider Socium Group network. As and when any changes are confirmed these will be communicated to our clients as quickly as we can. One change that we know will happen this year is that the trading name of Scrutton Bland Financial Services Limited is going to change to Amber River. Over the next 12-18 months all existing firms within the Socium Group will take on the new Amber River name and brand identity. The aim is to build a substantial presence across the UK and develop the business further.
Can you summarise the main areas of advice your team provides? Our Independent Financial Advisers continue provide a range of financial advice for individuals, companies, trusts and charities including: Investments – Combining knowledge of investment markets with tax efficiencies of various investment structures allows us to build a portfolio to suit your needs and objectives, as well as reviewing this on an ongoing basis to ensure or improve both tax efficiency and suitability over the years. Pensions – Whether you are building your pension ready to retire, trying to decide whether you can afford to retire or are already in retirement, making sure you have the right pension and underlying investment strategy within it is key, as well as understanding the tax implications and potential longevity of your fund alongside any non-pension assets. Cashflow modelling – A professional adviser can help you understand where you are on your financial journey, and help you to plan ahead, using realistic assumptions and allowing for market events. This may be to help time your retirement, gift surplus funds or simply to help understand your position in a more graphical format. Protecting your wealth for future generations - There are numerous ways our advisers can help with inheritance planning for your estate. These include accessing specialist investment structures that qualify for reliefs or combining our tax expertise with investment planning to help you take advantage of individual tax allowances whilst investing your wealth in order for it to grow. This may also include working with Tax Advisers and Solicitors in order to put in place Trust arrangements to help ensure funds are passed on in a controlled manner. Our specialists in Independent Financial Advice will work with you to deliver a complete plan for your future. Contact Matt at matt.merchant@scruttonbland.co.uk or phone 01473 267000. Scrutton Bland Financial Services Limited is authorised and regulated by the Financial Conduct Authority. The FCA registered number is 209451.
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Cryptotax Decrypted
Seemingly unaffected by the pandemic, since March 2020 the value of the Bitcoin has experienced a meteoric rise; this month has seen the value of a single bitcoin reach record levels in excess of $65,000. Since Bitcoin was introduced in 2009, a number of other cryptocurrencies have also emerged such as Ethereum, Litecoin, Cardano and Stellar.
HMRC now has access to cryptoasset data and in the coming weeks plans to send out ‘nudge letters’ to investors to encourage them to report any crypto income or gains. Samantha Stent, Tax Advisory Manager says,
“This campaign may have been prompted by the fact that HMRC believes they are owed large amounts of tax from income and gains on cryptocurrency investments. Our view at Scrutton Bland is that most underpayments of tax in relation to Bitcoin will not be deliberate, but it is very important that if you do receive a ‘nudge letter’ that you don’t ignore it. Bitcoin is not just the preserve of wealthy investors. For example, we are aware of individuals who have inherited bitcoin holdings who then need to sell some of the cryptocurrency in order to meet inheritance tax liabilities. In addition, market volatility has spooked many people into selling their cryptoassets. However, when it comes to the tax implications, these individuals are often unaware that there is a reporting requirement.” In the vast majority of cases, individuals hold cryptoassets as a personal investment hoping for capital appreciation. In such cases, they will be liable to pay Capital Gains Tax when they make a disposal. The rules for calculating the gains are similar to the rules for shares, with different cryptocurrencies held in separate ‘pools’ with special ‘matching’ rules that tell you how to allocate costs if you only sell some of your cryptocurrency. However, if you regularly mine or buy and sell Bitcoin and similar products, you may be treated as trading in cryptoassets and therefore subject to (much higher) income tax on any profits.
Some employees are paid in cryptoassets. Where the currency can be publicly traded (such as with Bitcoin), it will be treated as a ‘readily convertible asset’. This means that the employer must deduct and account to HMRC for PAYE and NICs in the same way as for any other salary payment. Otherwise, the individual employee must declare the ‘earnings’ and pay income tax via Self-assessment (but the employer will still need to pay Class 1A NICs to HMRC). Stamp Duty considerations should also be borne in mind when it comes to using cryptocurrency to pay for shares or to purchase land or property. As the tokens amount to “money’s worth”, the transactions can fall within the SDRT and SDLT charging provisions. HMRC recognises that cryptocurrencies and the technologies behind them will continue to evolve and that consequently, so will the tax rules. Accordingly, at Scrutton Bland we are adopting an agile approach when it comes to advice in this area.
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Is this the best time to sell my second home? Given the recent surge in house prices, coupled with a re-evaluation of ‘life priorities’ after the upheavals of the pandemic, it may be unsurprising to hear that many people are looking to cash in and realise the gain to be made on the sale of their second home. Inevitably, these large gains can result in significant Capital Gains Tax (CGT) liabilities
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The current tax position CGT is payable on the sale of a residential property at 28% for higher rate taxpayers and 18% for basic rate taxpayers (only on any amount within their unused basic rate band). In line with HMRC’s long term approach to ensure that any tax liabilities are paid to them as soon as possible, it is now necessary to complete a separate CGT return within 60 days of the sale completion. Any CGT payable on the gain is also due within the same timeframe. With over a quarter of any gains realised potentially being due to HMRC it may be worth considering what you can do to reduce Capital Gains Tax on second homes?
Could you realise capital losses? In order to help reduce your CGT liability you could consider realising capital losses you have on other assets, such as investments. The losses realised can be offset against the gain in the current tax year, thus reducing your liability. Likewise, if you have capital losses which you have claimed in previous tax years, these can also be offset to reduce your liability. Have you renovated the property? Whilst the options set out above may not be suitable, you can still reduce your CGT liability by simply ensuring you claim all relevant expenses. These can include incidental costs in relation to the sale, any costs and Stamp Duty Land Tax you incurred when initially purchasing the property, as well any capital expenditure you have incurred by improving the property. Relief is not available on general repair and maintenance costs, but it can be claimed for costs relating to structural work such as adding an extension or changing the layout of the property. The deduction of capital expenditure is again an area HMRC regularly look at, and we would strongly recommend obtaining advice to ensure you are claiming the maximum amount you are entitled to. Current rate of CGT Even with the options set out above, you may still be left with a CGT liability. However, it is worth noting that the rate of Capital Gains Tax is currently lower than it has historically been, and you may therefore choose to sell now to protect yourself against any future increase to the tax rate. This is clearly an area the government are interested in, as the Office of Tax Simplification were asked in 2019 to review the difference between Income and Capital Gains Tax rates although the government have since indicated that there are no immediate plans to increase the current rates of CGT. Is this the best time to sell my second home? In summary, there a number of financial factors to consider when deciding if and when to sell a second home. Inevitably the circumstances of the sale of each property will be different, so it is vitally important to take professional advice regarding your own position. The tax team at Scrutton Bland are well placed to advise on this matter, with a breadth of knowledge and experience in dealing with sale of second homes.
Where you have used the property as a holiday home and the property is not your main residence, an election is not an option. We are often asked if simply moving into your second home for a period of time can qualify for tax relief for you as your main residence. Unfortunately, it is not this straightforward, although relief can apply if you can demonstrate that you intended to occupy the property as your main residence on a continued and permanent basis. It is important to remember any relief would be time apportioned, based on the length of time you have occupied the property as your main residence throughout the whole period of ownership. Finally, it is important to note that HMRC regularly investigate the eligibility of a person for Private Residence Relief, and it is therefore important to take professional advice in respect of your position. Is the property in joint names? If the property is owned in your sole name it can in some cases be beneficial to transfer part or all of the property to your spouse. This can offer a saving where your spouse has not utilised their CGT annual exemption for the year, or if they are a basic rate taxpayer and pay the lower rate of CGT. Whilst this can provide a CGT saving in some cases, there are a number of points to consider such as any Stamp Duty Land Tax that may arise on transfer, or where there is a mortgage on the property, and whether the tax saving outweighs any cost of transferring the ownership. It is therefore very important to obtain specialist advice before making any transfers. Has the property been let as a Furnished Holiday Let (FHL)? If you have let the property as a Furnished Holiday Let (FHL), meaning that the property was let for a large number of short periods and has met certain letting conditions in the 2 years before sale, you could be entitled to CGT benefits. A property let as an FHL benefits from Business Asset Disposal relief (formerly Entrepreneur’s Relief) reducing the CGT rate to 10%. This can apply on gains up to the lifetime allowance of £1 million or any unused amount if you have already made use of a part of your Entrepreneur’s Relief allowance. An alternative option could be to consider letting the property as a buy-to-let for 2 years before selling, but this will depend on the nature of the property, and it is important to ensure you understand the letting requirements before doing so.
Does the property qualify for Private Residence Relief?
Firstly, CGT is not payable on a property which has always been used as your main residence. Individuals who own more than one property can opt to elect which property is their main residence if they are within a certain timeframe. Although an election can be made, to qualify for Private Residence Relief (PRR) it is necessary for both properties to have been used as your main residence. This would most commonly be the case where you spend weekdays in one property and weekends in the other property. By making an election, you can benefit from PRR, although it is important to understand that this process will result in your other property not being covered by the relief. The decision on your elected property can be changed in favour of the original property shortly afterwards, and this is often to use to benefit from the final period exemption. Historically, this exemption period used to be 36 months but HMRC have gradually reduced this to 9 months, although planning ahead in this way can still offer a significant saving if the property is only owned for a relatively small number of years.
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Tax Rules on Divorce A divorce can be difficult enough without paying unnecessary tax because you are unaware of the rules in this area. Our Tax team explain some of the financial legislation which may affect your settlement
Capital Gains Tax (CGT) When a couple is married and living together, any transfer of assets between them will take place at “no gain / no loss” (NG/ NL) meaning that no CGT will be payable. However this tax benefit of marriage ceases at the end of the tax year following permanent separation and not on the legal divorce (Decree Absolute). The tax year runs from 6 April to the following 5 April therefore the closer a couple separates to 5 April, the less time they will have to transfer any assets if they wish to make use of the NG/NL rule. Following the tax year of permanent separation, but before the Decree Absolute, spouses and civil partners are still classed as connected persons for CGT purposes. This means any transfer of assets will be deemed to have taken place at market value, regardless of whether any actual proceeds were received. Therefore CGT will be due on the market value less the cost of the asset. If the asset has appreciated significantly since acquisition, there could be a large amount of CGT due. Conversely, any assets transferred which are sitting at a capital loss will result in a “clogged loss”. Generally capital losses are set off against capital gains of the same year or carried forward to set off against subsequent gains. Where a loss arises on a disposal to a connected person, the loss can only be set off against gains from the same connected person. If a loss arising as part of the divorce settlement cannot be offset by other gains, the potential to use this loss in the future is severely restricted. Where a transfer of assets does result in a gain, it will be liable to CGT at 10% for any gain falling within the basic rate band (18% for residential properties) and 20% for gains falling within the higher rate band (28% for residential properties).
Private Residence Relief (PRR):
One of the largest and most important assets is often the matrimonial home. This may end up being sold to a third party, or one party to the marriage transferring all or part of their share to the other as part of the settlement. Generally, if an individual has lived in the matrimonial home for the entire period of their ownership then the whole of their gain on the property will be covered by PRR. However, if there have been periods where the property was not lived in or another property had been elected to be the main residence for CGT purposes, the relief could be restricted. Provided a property has previously qualified for the relief, the last 18 months of ownership will always be classed as deemed occupation which means PRR will be available for this period. Potential CGT charges therefore arise where one party moves out of the matrimonial home and the time to agree a settlement and effect transfers exceeds 18 months.
However there are special rules on divorce which allow the relief to be extended if all of the following conditions are met:
• One spouse or civil partner stops living in the family home because they have separated
• The partner that moved out has not formally elected with HMRC for another house to be their main residence
• The partner that moved out later transfers their interest in the family home to their ex
• The other partner keeps living in the family home as their main residence
Certain assets may qualify for the Entrepreneurs’ Relief rate of CGT of 10%, however qualifying conditions have to be met.
• The transfer is made as part of the divorce settlement
This special rule does therefore not apply if the home is sold to a third party.
Care also needs to be taken by the spouse giving up the ownership of the former family home where they have acquired a new residence because generally only one property at any one time can qualify as the PRR.
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Other taxes Income tax is not charged on the transfers under a divorce settlement. If however an income generating asset is allocated as part of the settlement, the transferee will be subject to income tax on any income from the date of transfer. Transfer of assets remain exempt from inheritance tax (IHT) until the date of Decree Absolute (although the exemption is limited to £325,000 if the transfer is to a non-domiciled spouse). Transfers after Decree Absolute are potentially exempt transfers (PET) and will be exempt from IHT if the donor survives seven years. Property transferred between spouses under a court order is not subject to Stamp Duty Land Tax, even if the transferee takes on a mortgage. A divorce is often complex. It will be important to review all matrimonial assets and seek advice with regards to planning to ensure settlements are structured in the most efficient way and that no one is unintentionally left with an unwelcome tax charge. It is often a requirement of a Court Order that an independent Expert Witness Report is obtained to document the CGT implications of any divorce settlement and our Tax team have assisted a number of divorcing parties with Expert Witness Reports.
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Meet the Team
We’ve been helping our clients manage their financial needs for over 100 years. We seek to build long-term, trusted relationships with our clients, by understanding their personal aims and objectives, so that we can provide bespoke and personal advice. Get in touch with a member of the team to see how they can help you.
Jason Fayers Managing Partner jason.fayers@ scruttonbland.co.uk 01473 945817
Natasha Root Private Client Insurance Executive natasha.root@ scruttonbland.co.uk 01206 417184 Matt Merchant Independent Financial Adviser (Scrutton Bland Financial Services Ltd) matt.merchant@ scruttonbland.co.uk 01473 945802 James Wright Independent Financial Adviser (Scrutton Bland Financial Services Ltd) james.wright@ scruttonbland.co.uk 01473 945798
Graham Doubtfire Private Client Tax Partner
graham.doutbfire@ scruttonbland.co.uk 01206 417267
Simon Hurren Private Client Tax Director simon.hurren@ scruttonbland.co.uk 01473 945822
0330 058 6559 scruttonbland.co.uk
@scruttonbland
Scrutton Bland Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 828934. 0723/02/2022/MKTG
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