Overview of School Fees Planning

At SFIA, we provide long-term solutions to the challenge of funding school fees.

Over the course of more than 60 years, we have helped countless families to realise their ambition of giving their children the best possible education, without breaking the bank.

Our tailored and diligent approach can help you reduce the burden of funding your children’s education and free up money to be spent on other aspects of your life.

SFIA have a network of Independent Financial Advisers throughout the UK.

Let us help you today

SFIA’s bespoke school fees planning service will enable you to secure the education your children deserve whilst maximising your resources, so you can continue to fulfil your family ambitions over the long term. Call us today on 01628 566777 or email webenquiry@sfia.co.uk.

Why plan your school fees with SFIA?

Our approach enables you to pay school fees in the most tax-efficient manner possible. Tax paid is not deductible from school fees payment directly, but we are able to help you pay fees from your tax savings.

As a leading authority in the industry, we have the knowledge, experience and resources to help you achieve your goals. Including:

  • Creating a personalised structured school fee plan
  • Maximising current resources (income, savings etc)
  • Freeing up money for other uses
  • Providing the peace of mind that comes from knowing that your school fees objectives can be achieved

Helping families with school fees planning for more than 60 years

We’ve been helping people to pay school fees for more than 60 years, and we have an unrivalled track record of success. Here is what some of our clients had to say:

“We can not only afford the school fees but also keep our holidays etc. Life for us will almost remain the same. Truly amazing.”

“We wouldn’t have got through this without your help and advice along the way.”

“Knowing we can now afford this means our children can start school this September.”

How SFIA can help you with school fees planning

School fees pension plan

By utilising our school fees pension strategy, we create a bespoke plan that enables you to build a much larger pension fund and pay off money borrowed for fees. The additional tax relief received could be even more than the cost of the original school fees.

Higher rate tax strategy

When deploying our tax planning strategies, we create plans for high-earning clients to take advantage of government-approved investments that qualify for significant tax relief.

Investments and deposits

Creating a plan to invest in assets that do not produce any taxable income (or very little) can help to lower your total tax bill. One tactic is to take advantage of the favourable tax position of investments which are subject to Capital Gains Tax rather than Income Tax.

Trust planning

Trust planning remains a key facet of our business. This involves capital provided by a grandparent being treated as the child’s income, thus utilising each child’s personal Income Tax allowance. Capital gains can also be used, enabling each child’s annual Capital Gains Tax exemption to be utilised.

SFIA have also established a Corporate Trust Scheme that enables Business owners to pay school fees through their limited company and here are significant tax savings.

Our independent financial advisers are able to select financial solutions from the entire marketplace.