The situation

David is an architect, working long hours for a good salary. While he considered himself financially ‘savvy’, his busy life meant he’d never got around to starting an ISA. 

The issue

David felt he could earmark £300,000 for a long-term investment, including using his £20,000 ISA allowance. That’s the current amount you can put into an ISA each tax year, with any returns coming free from UK income or capital gains tax.

Our solution

Having discussed the potential benefits with David, we advised him to open a Stocks and Shares ISA for £20,000 and put a further £280,000 into a general investment account, ensuring that his investments matched his preferred level of risk. This enabled David to invest for his long-term goals while making the most of a major tax advantage available to investors.

Premier Financial Planner Anna King says, “Having talked through David’s specific goals for the future, he decided this was the most effective way for him to structure his investments.

“David’s already built up a considerable sum in his ISA using his allowances, and it’s all benefitting from tax-efficient gains. This is a big part of our job – helping our customers decide whether or not investing is right for them and, if it is, helping them do it in the most suitable and efficient way.”

Find out more about how we could help you with your financial goals.


The value of investments can fall as well as rise and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply. Tax reliefs referred to are those applied under current UK legislation, which may change. The availability and value of any tax relief will depend on your individual circumstances. This case study should not be taken as advice.

scroll to top