CGT Planning
Capital Gains Tax can represent a significant cost when you dispose of shares, business assets, investment properties, or other capital assets. Proactive CGT planning — using available exemptions, reliefs, and timing strategies — can materially reduce the tax you pay on your gains.
What are the benefits?
Using Your Annual Exempt Amount
Each individual has a CGT annual exempt amount (£3,000 in 2025/26). Where married couples jointly own assets, both allowances can be used — potentially doubling the tax-free gain. We plan disposals to make maximum use of available exemptions.
Timing of Disposals
By timing asset sales carefully — spreading gains across tax years, or crystallising losses to offset gains — significant CGT savings can be achieved. We advise on the optimal timing of planned disposals.
Available Reliefs
Depending on the nature of the asset, reliefs such as Business Asset Disposal Relief, Investors' Relief, Gift Relief, Rollover Relief, and Private Residence Relief may be available to reduce or defer CGT. We identify and apply all relevant reliefs.
Use of Losses
Capital losses can be offset against capital gains in the same or future tax years. We ensure all losses are identified, claimed promptly, and applied in the most tax-efficient manner.
How can Zenus Tax help?
We calculate the CGT position on planned disposals and identify all available reliefs
We advise on the optimal timing of disposals to minimise the overall CGT liability
We advise on spousal transfers and the use of jointly owned assets to maximise exemptions
We prepare the relevant sections of your Self Assessment return
Frequently Asked Questions
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