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Financial Planning Document Library

Below you will find a large collection of Swallow Financial's documentation.

The world of finance is often unfathomable. It is therefore paramount that the client is not only confident in their adviser’s planning, but they can also see the broader picture.

The following documents are designed as generic explanations of what can be highly complex issues. Do call or email our office if you need any further help.

Use the filters on the right to help find the information you are after.

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Private Residence Relief Basics

Categories: Tax Planning

One of the most often asked questions we receive is how to mitigate capital gains tax (CGT) on second homes. The following is a brief synopsis of our understanding of PPRR and how it can help clients to save tax. We have more detailed notes from outside experts for those who want additional detail.

What Is Risk & Much Do You Need?

Categories: Financial Planning > Investment Planning > Pensions

If you are new to investing, perhaps the most difficult concept to get across is the relationship between risk and reward. These notes try and explain why risk is required (in almost all cases) to achieve long term goals.

Tax Treatment Of Onshore Bonds

Categories: Financial Planning > Investment Planning

We use the Transact onshore bond wrapper where you wish to defer or mitigate higher rates of tax and, in many cases, receive regular income. The flexibility of the Transact wrapper does mean, however, that when considering what cash to hold throughout a year we have to allow for tax as well as charges, income and withdrawals. This note is designed to explain how the tax works.


The latest news from Swallow Financial Planning and the financial industry

Budget Summary March 25, 2020

The 2020 March budget has all but been forgotten amidst the current Covid-19 pandemic. The following is our summary of the key...

Commercial Property Funds March 20, 2020

Many clients will have seen that Bricks and Mortar investment funds have been suspended. Bricks and Mortar funds own physical property. Real...

Swallow Financial Planning Contact Update – COVID-19 March 17, 2020

The actions being taken to contain the current Pandemic are getting ever more draconian. This note is to explain to clients changes...

Swallow Financial Advice Newsletter

The latest news from Swallow Financial Planning and the financial industry