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Early investment of capital can at best avoid the need to use income for providing for school fees in later years, or at worst go a significant way towards reducing reliance on income. With all investment options, the monies are only "earmarked" for school fees and it is at the investor's discretion how funds are used.

In all instances, we embrace fully the need for tax efficiency and flexibility of approach when tailoring individual arrangements. Portfolios and recommendations are specifically constructed to take into account clients' attitude to investment risk.

Your bespoke school fees plan will take into consideration the following points:

	Offshore investments for non-taxpayers or non-UK residents
	Professional management of your capital
	Diversified spread of assets to suit your risk attitude
	Minimising the burden of higher rate tax via tax sheltered investments
	Options regarding your children's annual capital gains tax allowance
	Benefits of composite fees paid directly to the school
	Opportunities for effective use of trusts