Investments & Wealth

Grow your wealth with ISAs, SIPPs, and expert financial planning from our FCA-regulated advisers. Whether you're starting with £50 a month or managing a six-figure portfolio, we provide personalised guidance to help you achieve your financial goals.

FCA Regulated Advice
Chartered Financial Planners
Tax-Efficient Strategies
Maximise your ISA and pension allowances
Long-Term Focus
Planning for generations, not quarters
Member-First Pricing
Lower fees than traditional wealth managers
Tax-Efficient Investing

ISAs & Tax-Free Wrappers

Up to £20,000 can be saved or invested tax-free every year. Use it wisely to shield your returns from income tax and capital gains tax. Our advisers help you choose the right ISA mix for your risk appetite and goals.

Cash ISA
Tax-Free Savings
Cash ISA
Earn interest completely free of UK income tax. Available as easy access (4.50% AER) or fixed rate (up to 4.85% AER). Transfer in existing ISAs from other providers. No minimum deposit to open.
4.50% AER easy access
Open Account →
Stocks & Shares ISA
Growth Potential
Stocks & Shares ISA
Invest in a diversified portfolio of global equities, bonds, and funds. Choose from ready-made portfolios or self-select from 1,500+ funds. Capital at risk. Managed by our FCA-authorised advisers with regular reviews.
From £50 / month to invest
Speak to an Adviser →
Lifetime ISA (LISA)
First Home & Retirement
Lifetime ISA (LISA)
Save up to £4,000/year and receive a 25% government bonus (up to £1,000/year) towards your first home or retirement. Available as cash or stocks & shares. Must be aged 18-39 to open.
25% government bonus
Open Account →
2026/27 Tax Year

Make the Most of Your £20,000 Allowance

The ISA allowance resets every April 6th. Unused allowance doesn't roll over — use it or lose it. Our advisers recommend splitting your allowance across cash and investments based on your timeline and risk tolerance.

Recommended ISA Strategy by Age

Ages 20-3580% Stocks & Shares / 20% Cash
Ages 36-5560% Stocks & Shares / 40% Cash
Ages 56+40% Stocks & Shares / 60% Cash
Book an ISA Review

ISA Transfer Service

Already have ISAs elsewhere? Transfer to Tamarack without losing your tax-free status. We handle all the paperwork and transfers typically complete within 15 working days.

  • No transfer fees
  • Keep all tax benefits
  • Consolidate for easier management
Start Transfer Online
Pension planning
Pensions

Your Retirement, Planned Properly

We offer a full range of pension solutions, including Self-Invested Personal Pensions (SIPPs), workplace pension management, and pension consolidation services. Our retirement specialists create bespoke plans that adapt as your life changes.

Whether you're 25 and starting your first pension, or 55 and planning your retirement income, we provide clarity and confidence. We charge a flat 0.75% annual management fee — significantly lower than industry average of 1.25%.

SIPP
Full investment control with 1,500+ funds available. Tax relief at your marginal rate.
Stakeholder Pension
Simple, low-cost pension with capped charges at 1.5%. Ideal for self-employed.
Pension Consolidation
Bring your old pensions together — free advice session included. Track everything in one place.
Drawdown Planning
Flexible income in retirement with tax efficiency. Access 25% tax-free lump sum.
Book a Pension Review Pension Calculator
Tax Benefits

Boost Your Pension by 25-45%

Pension contributions receive tax relief at your highest marginal rate. A £100 contribution costs basic rate taxpayers just £80, and higher rate taxpayers just £60.

£80
Your Contribution
£100
In Your Pension (Basic Rate)
£60
Your Contribution
£100
In Your Pension (Higher Rate)
Annual Allowance 2026/27
£60,000
Or 100% of earnings, whichever is lower
Unused allowance can be carried forward up to 3 years if you were a member of a pension scheme
Wealth Management

Bespoke Financial Planning

For members with £100,000+ to invest, our Chartered Financial Planners create a tailored strategy aligned with your life goals, risk tolerance, and tax situation. We operate on a fee-only basis — no commissions, no conflicts of interest.

Portfolio Management
Discretionary management across equities, bonds, property, and alternatives. Quarterly rebalancing and performance reports.
Inheritance Tax Planning
Strategies to reduce your IHT liability including gifting schedules, trust structures, and business relief investments.
Insurance & Protection
Life cover, critical illness, income protection tailored to your situation. Whole-of-market advice with no commission bias.
Trust & Estate Planning
Protect assets and ensure your wishes are carried out through professionally drafted trusts and lasting powers of attorney.
Our Approach

Investing for the Long Term

We don't believe in timing the market or chasing last year's winners. Our investment philosophy is built on decades of academic research and real-world experience.

1

Diversification

Spread investments across asset classes, geographies, and sectors to reduce risk without sacrificing returns.

2

Cost Efficiency

Keep fees low using index funds and institutional share classes. Every pound saved in fees compounds over decades.

3

Discipline

Regular rebalancing and systematic investing remove emotion from decisions. Stay the course through market volatility.

Performance Snapshot

Cautious Portfolio +8.2% (5yr annualised)
Balanced Portfolio +11.4% (5yr annualised)
Adventurous Portfolio +14.8% (5yr annualised)

Past performance is not a reliable indicator of future results. Returns shown are net of fees. Market conditions can cause values to fall as well as rise.

View Full Performance History →

Capital at risk. The value of investments can fall as well as rise and you may get back less than you invest. Past performance is not a reliable indicator of future results. Tamarack Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 987654). Tax treatment depends on individual circumstances and may be subject to change.

Plan Your Financial Future

Book a free, no-obligation consultation with one of our Chartered Financial Planners. Available in-person at our Carlisle office or via video call.

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