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Private Clients.

Find out more about the services we offer to private clients

Your personal finances are every bit as important – and sometimes just as complex – as a company’s books. Whatever stage you’re at in life, our private client team will help you make the most of your money.

By getting to know you, your financial situation and the things that matter to you, we’ll empower you to make the right financial decisions – decisions that will take you from where you are to where you want to be.

We’ll work with you to identify and focus on what’s important, we can help you to reduce your tax liability and protect your wealth for the benefit of your family both now and in the future.

Whether you need help getting your personal tax in order, setting up a trust or pension, or reducing your inheritance tax liability, our friendly, knowledgeable advisers provide clear, straightforward and affordable advice that’s tailored to your circumstances.

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Private client services

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Family wealth preservation

We help families understand and structure their businesses and personal assets for short and long term handovers, often preserving control with a senior family members whilst involving younger generations. Working closely with your existing professional advisers we can structure assets, lasting powers of attorney, wills, act as executors and trustees. We regularly review assets of each family member, and where requested consider the family as a whole often spanning three or four generations which enables us to provide relevant holistic solutions.

Personal taxes

Whether you’re thinking about this year’s tax return or further ahead to retirement and inheritance planning there is often a significant amount that can be achieved to minimise your personal tax exposure.

Private client advisory services

Whether you want us to take a fresh look at your assets and income cash flow, advise on the sale or gift of your business or review your wills and lasting powers of attorney our advisory team can help. The advice we give is never generic, we invest time getting to know you and your priorities so we can tailor our advice and the team working with you to meet your financial goals.

Probate & estate administration

When emotions run high and families and friends are facing a new start our experienced team are on hand to help guide you through the maze of probate and estate administration.

Trusts

When flexibility is the key as you are uncertain about the future a trust can be a perfect solution. Modern trusts play an important part in family financial management shielding wealth from erosion, providing protection for vulnerable individuals and enabling a gift to be made whilst retaining control.

International personal tax

Whether you're an outbound or inbound individual it is vital your tax structure is correct, planning ahead of leaving or arriving in the UK is essential. We also help non-domiciled individuals file their tax returns to the UK tax authorities ensuring double taxation is kept to an absolute minimum. Non-residents may be required to file their tax returns to the UK authorities, and we can help individuals assess whether they are UK resident for tax purposes.

Bookkeeping and Management Services | Cambridgeshire

Financial planning

Life is not always plain sailing and at any time your financial and personal circumstances may unexpectedly change. Alongside tax and accounting advice you may need to seek specialist support from an independent financial adviser (IFA). We work with independent financial advisers (IFAs) that provide wealth management advice to individuals and their businesses to ensure a joined up approach.

Wills

The best time to make your Will is when you are well, healthy and able to consider matters with a clear mind. Failing to do so could leave loved ones in a vulnerable position.

Lasting Power of Attorney

Events in life, such as loss of mental capacity or disability take away the ability to do this. Fortunately there are proactive steps you can take, in advance, to protect yourself and your loved ones.

Tax Investigation Service

Tax investigation. A duo of words guaranteed to strike fear into even a seasoned veteran of business. We understand how daunting and stressful this can be. Being selected for an HMRC investigation doesn’t always mean you’re at fault. However, it is up to you or your PEM tax investigation specialist to prove this.

Our private client team

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"Thank you for your incredibly clear and helpful response. This is just why we use PEM."

Nigel - Private Client

"I would not hesitate to recommend PEM and their services to anyone looking for help in personal taxes. Not only did they treat me with care but they explained everything in a clear and logical manner. What's even better is that they were able to help me as an overseas client, so working via email and phone was just perfect. Hats off to Mary and the PEM team for their professionalism, speed and accuracy."

Eli - Private Client