Trusted advice
Clear, independent guidance — always with your best interests at heart.
Tax Planning specialists
Plan with efficiency, stay compliant and protect your wealth.
Make your money go further
Smart tax planning. Sensible structuring. More in your pocket.
Plan ahead, pay less tomorrow
Use allowances. Avoid surprises. Stay one step ahead.
Pass on more, lose less to tax
Protect your legacy. Keep more in the family.
Whether you’re protecting your family or planning your legacy — we’re here to help. Our tax specialists give clear tax planning advice and design efficient structures.
Confidence starts with a plan.
At INCO, we build personal tax planning strategies designed around your life, not generic templates. We’re here to simplify decisions and support you for the long term.
- Maximise your tax allowances and exemptions
- Structure your finances to reduce long-term tax
- Plan for the future — and protect your estate
- Get independent, clear advice at every step
Tax rules are complex — but used well, they can work in your favour. We help you reduce tax liabilities, structure your affairs efficiently, and keep more of what you’ve earned. It’s Tax Planning made personal. And it starts with a conversation.
Tax Planning services.
Tax planning isn’t just about avoiding tax — it’s about using your allowances wisely, protecting what you’ve earned, and passing on more when the time comes. At INCO, we help you make better decisions, at the right time, for the right reasons. We typically support clients with:
Income tax – making the most of personal and dividend allowances
Capital gains – using timing and structuring to reduce your liability
Inheritance tax planning — helping you pass on wealth tax-efficiently
Specialist investments – including VCTs and EIS for experienced investors
Business owners – aligning personal and company tax strategies
With INCO, you’ll always know where you stand — and where the opportunities are.
Tax Planning with INCO is collaborative, personal, proactive and always evolving.
Here’s how our 3-step process helps you reduce liabilities and keep more of your wealth.
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Step 1: Understand Your Position
Before we talk about tax, we talk about you.
We take the time to understand your income, assets, goals, and any existing structures — because good tax planning starts with a full picture.
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Step 2: Build Your Tax Strategy
We create a bespoke plan built around your finances.
From income to inheritance, we explore the most efficient ways to structure your money, use your allowances and limit what you lose to tax.
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Step 3: Review and Refine
Tax rules change — so does your plan.
We meet regularly to update your strategy, track changes in legislation, and make sure everything still fits where you are and where you’re heading.
Tax Planning, made simple.
Efficient structuring
We help you hold, grow, and pass on wealth in a tax-smart way.
Built around you
Thoughtfully shaped around your life, your priorities, and your future plans.
Sometimes, it’s not about more information — it’s about having the right conversation.
We’ll help you cut through the noise, make sense of your options, and feel confident about what comes next. No sales pitch. Just honest, expert advice — when you’re ready.
Frequently asked questions.
What makes INCO different from other financial advisers?
We’re truly independent — which means we’re not tied to any provider, product or fund. Our advice is always shaped around your needs, not a sales target.
Do you only work with high-net-worth clients?
Not at all. We work with a wide range of individuals, families, and business owners across the UK. If you want clear advice and a long-term plan, we’re here to help.
What services do you offer?
We provide tailored advice across wealth management, financial planning, tax optimisation, business finances, and divorce-related planning. We also offer financial coaching for long-term behavioural change.
How does the financial planning process work?
It starts with a conversation. We get to know your current situation and goals, then create a personalised plan. From there, we manage, review, and adapt your plan as life evolves.
Are your advisers regulated?
Yes — INCO Financial Limited is an appointed representative of Best Practice IFA Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Can I work with you remotely?
Absolutely. While we're based in Sheffield, we work with clients across the UK via phone, video and email — whatever suits you best.
How do you charge for your services?
We believe in transparency. Costs vary depending on your needs, but everything will be clearly explained before you commit to anything.
Can you help with complex tax or inheritance planning?
Yes. We specialise in helping clients structure their finances tax-efficiently — including inheritance tax, capital gains, and income tax planning — working alongside your solicitor or accountant where needed.
Do I need to have a lot of money to benefit from financial advice?
Not necessarily. The right advice early on can make a big difference — and it’s often about protecting what you have, not just growing it.
How do I get started?
Just get in touch. We offer an initial conversation with no cost and no obligation — simply a chance to understand whether we’re the right fit for you.
Our services, built around you.
Explore how our expertise supports different areas of your financial life.
Wealth Management
Grow and protect what you’ve worked hard to build.
Financial Planning
Plan clearly for your future with confidence and peace of mind.
Tax Planning
Structure your finances tax efficiently to retain more of your wealth.
Corporate Solutions
Strengthen your business with clear financial insight and long-term strategy.
Divorce Planning
Navigate transitions with clarity, support, and sound advice when it matters most.
Financial Coaching
Build better habits and a healthier relationship with money.