WWM (Harrogate) LLP v The Commissioners for HMRC [2026] UKFTT 832 (TC)

[2026] UKFTT 00832 (TC)Case No TC 09907
FIRST-TIER TRIBUNAL
TAX CHAMBER
Hearing Heard on: 16 and 17 April 2026Date Judgment date: 04 June 2026
Taylor House, 88 Rosebery Avenue, London EC1R 4QU
Appeal reference: TC/2025/00631
GOODWILL-nature of goodwill-whether goodwill can be owned by a person other than the person operating the business with which it is associated-sale of goodwill to LLP-whether seller owned goodwill-whether there was an asset to sell-if so, whether the asset had value
TRIBUNAL JUDGE MARILYN MCKEEVERMR JULIAN SIMSWWM (HARROGATE) LLPAppellantTHE COMMISSIONERS FOR HIS MAJESTY’S REVENUE AND CUSTOMSRespondentMr Philip Gostling, of Gostling Lighthouse LLP t/a Oakfield Park, accountant, for AppellantMr Charles Asuelimen, litigator of HM Revenue and Customs’ Solicitor’s Office for RespondentsDECISION

Introduction

[1]WWM (Harrogate) LLP (LLP) appeals against two closure notices issued on 2 October 2024 in respect of the tax years ending 5 April 2021 and 2022 respectively.[2]The closure notices related to an entry in LLP’s balance sheet of a figure for “goodwill” of £860,662 which had been recorded as “other fixed assets” and credited to the capital account of Mr Len Walters (Mr Walters), one of the partners, in 2014. The original sum had been amortised and the written down sum in the 2021 partnership return was £365,782 and that for the 2022 tax year was £279,716. In each case, the conclusion in the closure notice was that the “goodwill” figure should be removed from “other fixed assets” and from the capital account.[3]The conclusion did not affect the tax liability of LLP but may have consequences for the partners in LLP.[4]We heard witness evidence from Mr Walters, the individual member of LLP and from Mr Gostling. A witness statement in the bundle purported to be the witness statement of Oakfield Park, Mr Gostling’s firm. Mr Gostling was familiar with the contents of the statement and was willing to adopt it as his own. With HMRC’s agreement, the witness statement was admitted as Mr Gostling’s witness statement and Mr Gostling was cross-examined on it. While Mr Walters was helpful on the history and operation of the business, we found his purported complete lack of knowledge as to the reason for, and operation of, LLP unconvincing. On these matters he referred us to Mr Gostling, who was evasive in his responses.[5]We had before us a Document Bundle of 1,388 pages, a Supplementary Bundle of 40 pages and an Authorities Bundle of 244 pages. Documents we might have expected to be included in the Bundles, relating to the transactions we describe, were omitted or said not to exist. Mr Gostling was given the opportunity at the end of day one of the hearing to make an application for the admission of further documents on day two, but the only item produced was the draft Partnership Agreement we refer to below.

Late appeal

[6]The appeal to the Tribunal was a little over a month late. HMRC do not object and we give permission to appeal out of time. The facts The sole trade

The facts

[7]Mr Walters is a financial advisor. Before 2006 he worked in financial services for various companies and in 2006 established his own sole trade business as an Independent Financial Advisor. Neither Mr Walters nor Mr Gostling was clear on Mr Walters’ registration status with the FCA, but from the entries on the FCA’s website, it appears that Mr Walters was not personally registered by the Financial Conduct Authority (FCA) but was registered as an Appointed Representative of St James’ Place (SJP).[8]He began the business with 12-15 clients which, by agreement (and subject to a payment), had followed him from his previous employer. He then bought a book of clients from SJP. That is to say, a group of clients were transferred to him from their previous advisor who was another SJP partner. The cost of the purchase was broadly based on a multiple of the annual fees which the clients and their investments produced based on a model used within SJP. The purchase was financed by SJP and the fees generated by the clients were used to repay the borrowings. Mr Walters entered into SJP’s standard Business Transfer Agreement. That document was not in the Bundle, but the Bundle did contain a signed but undated contract from 2021 which appeared to be SJP’s standard Business Acquisition Agreement. Mr Walters confirmed that he had entered into something similar in 2006.[9]The parties to the 2021 Agreement were Walters Wealth Management Ltd (WWM Ltd./the company), Marshall Wealth Management Ltd. and SJP. Mr Walters explained that this was the contract for one of the partial sales of the business by WWM Ltd. (which we refer to further below). The contract was a formal, 16-page document. The subject matter of the sale was:
“…as a going concern that part of the business comprising: The Goodwill (including the right to receive any Remuneration [broadly commissions and fees paid by clients and/or in respect of their investments/products] payable after the Transfer of Remuneration Date); the Client List and the right to deal with Clients in respect of any period after the Completion Date; the work in progress; the Intellectual Property and the Business Records; and The Fixtures and Fittings and the Stock”
The Fixtures and Fittings and the Stock”[10]“Goodwill” was defined as:
“…the goodwill of the Seller in connection with the part of the business to be sold, together with the right of the Buyer to represent itself as carrying on that part of the Business in succession to the Seller (but excluding the right to use the Name).”
[11]In order to protect the Buyer, the Seller was required to enter into restrictive covenants.[12]Over the two years from 2006, Mr Walters began to build his business. There was a steep learning curve in this period as he adapted to working within the SJP framework and a lot of time was taken up with administration and regulatory matters. SJP supported their business with regulatory oversight, ensuring the “fit and proper” requirements were met, providing compliance, finance, branding and other services, but they did not interfere with the running of the business by the individual financial advisor. SJP was paid a percentage of the fees generated by the business in return for their support services.

The incorporation of the business

[13]In 2008, Mr Walters incorporated his business, transferring it to Walters Wealth Management Ltd., (WWM Ltd.) on 31 May 2008. The whole of the trade and assets was transferred including £450,000 goodwill. Mr Walters was the sole shareholder and director. There was no sale agreement relating to the 2008 transfer in the Bundle. Mr Walters said that he recalled that there was nothing similar to the 2021contract in 2008 when he incorporated the business as, he said, no third party was involved. We do not accept this. We infer that SJP must have been involved in the sale of the sole trade to WWM Ltd., as neither the company nor Mr Walters had their own independent registration with the FCA. They complied with the regulatory requirements by being appointed representatives of SJP. We also note that the company succeeded to Mr Walters’ registration when it took over the business and SJP was involved in transactions relating to the company before and after the incorporation. We therefore infer that there would, more likely than not, have been a contract similar to the 2021 contract which included the sale of goodwill and restrictive covenants.[14]It is unclear where the figure of £450,000 for goodwill came from or who had valued it (Gostling Lighthouse were not acting for Mr Walters at that time). The evidence for the goodwill is in the abbreviated accounts of WWM Ltd. for the year ended 30 April 2009 which includes intangible assets of £450,000. The goodwill was written off over five years on a straight-line basis.[15]Mr Walters declared a capital gain in his personal tax return by reference to the transfer.[16]Mr Walters ceased his sole trade on transferring the business to WWM Ltd. and has not had any self-employment income from that time. He became the sole director of the company and an employee of it.[17]During the sole trade period, Mr Walters was an Appointed Representative of SJP. After incorporation, the business continued to derive its FCA status from SJP. WWM Ltd. became SJP’s Appointed Representative in succession to Mr Walters. Mr Walters had CF1 Director (AR) status from June 2009 to August 2022 which meant that, as director, he was responsible for WWM Ltd.’s regulatory compliance. He was also a CF30 Customer from November 2007 to his retirement in August 2024 which meant he could provide financial advice, but essentially, only under supervision/regulation by SJP. In other words, he could not provide financial advice to clients in his own right as he did not have a personal FCA registration. Mr Walters could provide advice, and generate fees only as an employee of WWM Ltd.[18]Apart from Mr Walters himself, WWM Ltd. employed two staff to deal with administration. When business was very busy, the company could buy in administration services from SJP.[19]Following completion of the two-year training period, Mr Walters was able to focus on growing the business rather than the administration and regulatory aspects.[20]Mr Walters found and cultivated the clients and gave the financial advice. The clients contracted with WWM Ltd., that is, they were clients of the company itself. WWM Ltd. implemented Mr Walters’ financial advice, processing the investments and policies and administering them. The company received the advice fees from clients and the initial and ongoing commissions from the investment/insurance companies providing the products. The abbreviated accounts of the company do not include a profit and loss account, but a valuation prepared in 2014 indicated that the adjusted profits (before any directors’ remuneration) of the company rose from £190,144 in 2012, to £211,750 in 2013, to £234,061 in 2014.[21]WWM Ltd. paid Mr Walters a modest salary and made pension contributions for him. Mr Walters received a more substantial income from dividends declared by the company. In 2010/11 he received a salary of £6,000 and dividends of £42,624 and in 2014 the figures were salary, £7,400 and dividends of £82,811.[22]It is not disputed that the success of the business derived from Mr Walters’ efforts to obtain and retain clients. As noted, he started off with a small number of clients transferred from his previous employer and a block of business purchased from SJP. New clients were often referred to Mr Walters by existing clients who would recommend him to their friends and family. He also arranged seminars, encouraging clients to bring their friends and family and inviting other potential clients. He had developed a large network of client generating contacts from his many years in the financial services industry, attending golf days, Christmas parties and other social events put on by the close-knit Leeds business community. He/WWM Ltd. also purchased lists of potential clients from SJP. Mr Walters worked, to a lesser extent, with a few local intermediaries such as solicitors and accountants. Clients would often approach him directly. The company also purchased additional blocks of business, for example, from retiring SJP partners. The 2011 accounts of WWM Ltd. show an addition to goodwill of £312,922 which represents such a purchase.[23]There is no doubt that the company’s success arose from Mr Walter’s personal reputation, client relationships and expertise. Clients approached him as an individual and we accept that they gave their loyalty to him personally as a trusted advisor, rather than his company or other business entity. As Mr Walters put it “people buy people”.

The creation of the LLP

[24]In 2014, on the advice of Oakfield Park, Mr Walters and WWM Ltd. entered into a limited partnership. Mr Walters and WWM Ltd. became the partners in WWM (Harrogate) LLP, the Appellant.[25]The LLP held no type of registration with the FCA.[26]The profit-sharing ratio was 80% to Mr Walters and 20% to WWM Ltd. Mr Gostling said that this was determined by discussion with Mr Walters and what was “appropriate” rather than by reference to objective factors.[27]The accounts of LLP for the period 7 August 2014 (when LLP was formed) to the year ended 30 April 2015 show intangible assets at valuation of £860,662. This sum represents the personal goodwill which the Appellant contends was owned by Mr Walters and was transferred to LLP as a contribution to his capital account (the disputed goodwill). The value of the disputed goodwill was allocated wholly to Mr Walters’ capital account, i.e. no value passed to the company. Applying HMRC’s extra statutory concession D12, no disposal arises in these circumstances, so Mr Walters did not make a disposal for Capital Gains Tax purposes.[28]The disputed goodwill was effectively sold to LLP with the purchase price being left outstanding by way of loan. This enabled LLP to make tax-free loan repayments to Mr Walters.[29]The value of the disputed goodwill was amortised over a period of ten years on a straight-line basis.[30]The Bundle contained virtually no paperwork in connection with the establishment of LLP. There was no note of advice about the purpose of the new structure, no contract of sale, no transfer instrument, no decisions or resolutions of the Board of WWM Ltd. or any other documents or correspondence relating to the transfer of what was considered to be a very valuable asset. Mr Gostling said that there was no need for any of this as there was no third party involved; it was all really Mr Walters. He said that there would have been an LLP agreement and advice would have been given, but that would be in the files. At the end of the first day of the two-day hearing, Mr Gostling was invited to make an application to admit further evidence if he was able to find any relevant evidence.[31]At the beginning of day two, Mr Gostling applied for an LLP document to be admitted. Mr Asuelimen did not object and we admitted the document. Mr Gostling had not found anything else.[32]The agreement was dated 7 August 2014, the date of the transfer of the disputed goodwill. It was made between Mr Walters and WWM Ltd. It was not signed and we infer that this was not the final version as it contained provisions which clearly did not relate to this business.[33]The definition of “the Business” which the LLP was to carry on was:
“… the profession trade or business of designing, constructing and installing scenery and sets at nominated locations for clients conducting marketing initiatives;”
[34]The Business was to be carried on from the “Property” which is not defined. The LLP is stated to own the Property and its contents.[35]There were holding spaces in the banking clause for the name of the bank and the authorised signatories.[36]Clause 22 of the agreement contained restrictive covenants applicable to a Member of the LLP who “retires” from the LLP i.e. ceases to be a Member. These, broadly, prohibit the retired Member from soliciting clients/customers of the LLP or soliciting business or accepting instructions from any person or entity which habitually introduces clients/customers to the LLP.[37]Schedule 2 sets out the division of profits and losses; 80% to Mr Walters, 20% to WWM Ltd.[38]We were taken to two other documents relating to the transfer of the disputed goodwill. The first was a Minute of a decision which was neither signed nor dated. It appeared to be a Minute of WWM Ltd. by which LLP would purchase the goodwill of the company by way of capital account transactions. Mr Gostling said, and we accept, that this was not what happened, at least as regards the transaction that this appeal is focussed on, which is the purchase of the disputed goodwill from Mr Walters. He could not explain to what transaction the Minute related.[39]The only other document relating to the sale of the disputed goodwill was a valuation. The valuation was a single sheet of plain paper with no indication of who had prepared it or when. It was headed “Walters Wealth Management Ltd, Personal Goodwill Valuation, Len Walters”. Mr Gostling said this was his firm’s independent valuation, made on what he described as a “standard basis” involving an appropriate multiple and a weighted, adjusted profit figure (EBITDA). He indicated that fees may have been taken into account, but the firm’s model was used. No workings or other information on the calculation was in the bundle. The valuation was based on the profits of the company. Mr Gostling submitted that the only tool the company had to generate profits was Mr Walters and it was therefore reasonable to treat a proportion of the company’s profits as personal goodwill of Mr Walters.[40]The valuation looked at three years of company profits, added amortisation, director’s remuneration and pension and use of home and subtracted a notional salary of £40,000. It is unclear where the £40,000 figure came from although it was not intended to be an IFA salary. A weighted average of the three years’ profits was then calculated, weighing the latest year (2014) as three, the middle year (2013) as two and the oldest year (2012) as one. A multiple of six was applied to this weighted average of £179,305 to give a value for goodwill. Mr Gostling submitted that this is a common multiple used in the industry (relating to fees) but no other evidence of this was provided. Mr Gostling confirmed that the SJP model used in other transactions was not used as he felt that the nature of this transaction was different and SJP were not providing funding for the transaction. The total figure of £1,075,827 was then allocated as to 20% to WWM Ltd. and 80% to Mr Walters. Mr Walters’ share of £860,662 is the disputed goodwill.[41]HMRC’s position is that no asset was transferred to LLP and so the value was nil. They do not accept the valuation.[42]We do not need to comment further on the valuation other than to say that if the disputed goodwill does exist, its valuation would be a separate issue.[43]It is unclear what role the LLP played in the business. The LLP’s financial statements stated that “the principal activity of the company (sic) during the year was that of a financial advisor”. That could not have been correct, not least, because it had no registration of any sort with the FCA.[44]Mr Walters invited us to ask the accountants about the purpose of LLP. Mr Gostling was cross-examined on the point. He said that LLP did not participate in the day-to-day business, it did not charge fees to clients (it did not have any clients) and it did not have any other involvement with the business.[45]LLP’s income accounts showed “other income” which related to “management fees receivable”. The management fees were £10,000 in 2017, £24,750 in 2018 and 2019, increasing to £44,750 in 2020. It seems that these were payable by WWM Ltd. although it is unclear whether the charges were actually paid. Mr Gostling was unable to help us with an explanation of what the management charges were for.[46]Mr Walters received significant drawings from LLP which were said to be part repayments of the notional loan on the transfer of the disputed goodwill to LLP.[47]LLP’s only income was the management charges, which may or may not have been paid. WWM Ltd. made capital contributions on a regular basis to LLP which enabled LLP to pay the drawings to Mr Walters. It is unclear why WWM Ltd. made substantial capital contributions to an entity that had no business and made no significant profits.[48]Mr Walters stated he had formed the LLP structure on advice from Oakfield Park and referred us to Mr Gostling for an explanation. Mr Gostling stated that the LLP was set up as an asset-holding entity which would help Mr Walters when he wanted to sell the main business by providing a crystalised value for the disputed goodwill (i.e. the value recorded in the LLP accounts). Mr Gostling had, correctly, previously pointed out that the value of goodwill changes and decays over time. Further, internally generated goodwill would not be shown in an entity’s accounts because of GAAP, so a figure for goodwill in the accounts would not necessarily show the right value. Mr Gostling thought that a third party might not know this and might take the goodwill in the accounts as the value. We are not persuaded that crystalising the value at a particular time is particularly useful or a credible reason for establishing this structure.[49]The second alleged purpose was that the LLP could be a “lifeboat” if there was a problem with the company, for example if the company suffered reputational damage directly, or indirectly through its association with SJP. In Mr Gostling’s view, it would be easier to attract further partners to an existing entity with a bank account and crystallized goodwill than it would be if Mr Walters wanted to attract partners as a sole trader. He acknowledged that there would be delay in either case as the LLP (or Mr Walters) would need to register with the FCA.[50]In the course of HMRC’s enquiry, a colleague of Mr Gostling emailed HMRC on 28 August 2019 making similar points in response to HMRC’s query as to the commercial rationale of the purchase of the disputed goodwill by LLP:
“Firstly, to separate the goodwill from the company in order to gain asset protection in the event of company failure. Secondly, because it was considered likely, and still is, that separate sections of goodwill will be disposed of at different points in time, and it was considered easier to do this from a separate vehicle. Indeed, Mr Walters may well wish to sell his Ltd Company but continue with a small loyal group of clients through the LLP. Again, this was considered safer if the goodwill was separated, particularly given the potentially complicated rules that St James’ Place tie their advisors into.”
[51]Mr Gostling was unable to explain how the disputed goodwill could be sold. He asserted that some of the value of the clients belonging to the company was in the LLP and eventually suggested that the LLP’s goodwill would be sold along with a sale of a block of clients by the company.[52]We were not persuaded by Mr Gostling’s explanation, and we cannot discern a genuine commercial reason for establishing the LLP structure.

Subsequent transactions

[53]The Bundle included information on Mr Walters’ tax returns for the year ending 5 April 2015, 2016 and 2020. In each of those years Mr Walters declared a gain. In YE 2015 Mr Walters’ Capital Gains Schedule contained a computation under the heading “unlisted shares and securities”. It indicates that “goodwill” was disposed of on 7 August 2014 realising a gain of £12,500. The computation has a heading “share pool (SA104 holding)”. A further heading refers to the “disposal of qualifying businesses, Walters Wealth Management Ltd”. This suggests that Mr Walters disposed of shares in WWM Ltd., but his evidence was that he did not sell any shares; the company made part disposals of its client book.[54]Mr Walters claimed Entrepreneurs’ Relief on the disposal.[55]In YE 2016, Mr Walters declared gains of £328,358. Again, this appeared to be a share sale. The references to “goodwill” in the computation were replaced by “part sale of business”. Mr Walters claimed Entrepreneurs’ Relief.[56]A further gain on a “part sale of business” of £249,106 was shown in the schedule to the return for YE 2020 and, again, he claimed Entrepreneurs’ Relief.[57]It appears from Mr Walters’ tax returns that he realised gains in other years, but we do not have the Schedules and so do not know whether they related to further purported sales of part of the business.[58]Mr Walters stated in evidence, and we accept, that as he approached retirement the company had sold off tranches of business i.e. clients and their fees. Mr Gostling was asked why the gains appeared to have been taxed on Mr Walters. His explanation was that the disposal by the company of a percentage of its client base included a part disposal of the goodwill in LLP. This should have been reported by LLP, but it was not. As LLP is transparent for tax purposes it was reported by Mr Walters personally.[59]This would only be possible if LLP did indeed hold a valuable asset, being the disputed goodwill. Given the nature of goodwill and how it changes over time as a business develops, as accepted by both parties, it is not clear how one would correlate any sale of goodwill with the sale of a book of business by the company if, as argued by the Appellant, it was in part owned by the company (that acquired in 2008), in part by the LLP (that created between 2008 and 2014) and that for which we have not heard argument about ownership (that created after 2014), particularly as the amortisation of goodwill is an estimate required for accounts prepared under GAAP rather than an actual change in value.[60]We note that there were no corresponding disposals of part of a business shown in the company’s accounts for the relevant years. Nor did the tax returns of LLP show any chargeable disposals.

Discussion

[61]The three questions which we must answer are:(1) Is it possible, as a matter of law, for personal goodwill to be owned separately from the business to which it relates, and if so(2) Did Mr Walters own such goodwill, and if so(3) Did he transfer it to LLP as a capital contribution.[62]If the answer to all these questions is “yes”, there remain issues about the correct valuation, but that is not the subject of this appeal, and no detailed evidence was provided to us on this. Mr Gostling accepted, on behalf of the Appellant, that if this became an issue it would need to be decided separately.[63]The burden is on HMRC to show the closure notices were validly issued and it is then for the Appellant to show, on the balance of probabilities, that the conclusions in the closure notices are incorrect.[64]It has not been suggested that the closure notices were invalid, and we find that the closure notices did satisfy the statutory requirements and are valid.

What is goodwill?

[65]Goodwill is an intangible asset representing, broadly, the difference between the purchase price of a business and the value of its assets. It arises from the business’ name, brand, reputation etc. The case law is well established. In the House of Lords case of Commissioners of Inland Revenue v Muller and Co's Margarine Ltd [1901] AC 217, Lord MacNaghten said:
“What is goodwill? It is a thing very easy to describe, very difficult to define. It is the benefit and advantage of the good name, reputation, and connection of a business. It is the attractive force which brings in custom. It is the one thing which distinguishes an old-established business from a new business at its first start. The goodwill of a business must emanate from a particular centre or source. However widely extended or diffused its influence may be, goodwill is worth nothing unless it has power of attraction sufficient to bring customers home to the source from which it emanates.”
[66]He later says:
“Goodwill regarded as property has no meaning except in connection with some trade, business, or calling. In that connection I understand the word to include whatever adds value to a business by reason of situation, name and reputation, connection, introduction to old customers, and agreed absence from competition, or any of these things, and there may be others which do not occur to me. In this wide sense, goodwill is inseparable from the business to which it adds value…”
[67]Other cases such as Wedderburn v Wedderburn (No. 4) (1856) 22 Beavan 84, Robertson v Quiddington (1860) 28 Beavan 529, Star Industrial Company Limited v Yap Kwee Kor trading as New Star Industrial Company, a 1974 Privy Council case, and, more recently, Balloon Promotions Ltd v Wilson (HMIT) (2006) Sp C 524 make the same points. Balloon Promotions Ltd sets out a helpful summary, derived from the cases, of the nature of goodwill at [161- [170]:
“161. Whether goodwill exists is a question of fact 162. Goodwill is a type of property. 163. Goodwill should be looked at as a whole and includes whatever adds value to a business by reason of situation, name and reputation, connection, introduction to old customers and absence from competition. The precise composition of goodwill will vary in different trades and in different businesses in the same trade. 164. Goodwill realises profits for the business. 165. Goodwill cannot subsist by itself but must be attached to a business. 166. Goodwill distinguishes an established business from a new business and is built up by years of honest work and investment in the business. Goodwill is created by trading activities. 167. The value of goodwill will be enhanced if the business and the premises in which the business is carried on are sold together as a going concern. 168. Goodwill can be sold separately from the premises in which the business is carried on. 169. The authorities caution against an over analytical approach to goodwill (see Muller & Co’s Margarine Ltd and Whiteman Smith Motor Co ). … 170. A covenant restricting the trade of the trader selling the goodwill is a means by which all the advantages that the purchaser was intended to have by taking over the goodwill of the business are secured to him. The existence of such a covenant is indicative that goodwill was sold by the vendor.”
[68]The most important points in the present case are that goodwill must generate value/profits for the business and goodwill is inseparable from the business to which it relates. The second point does not necessarily determine who can own the goodwill and we return to this below. Is it possible in law for goodwill to be owned separately from the business to which it relates?[69]There are two cases which indicate that the goodwill of a business can be owned by a person other than the entity carrying on the business.[70]In Kubrik and another (joint liquidators of Sofra Bakery Ltd) v Ucar and another [2013] EWHC 1499 (Ch) (Kubrik), Mr Ucar built up a business of baking and selling Turkish Bread. He incorporated the business in 2003. On the advice of his accountant, he made an express decision not to transfer the goodwill of the business to the company as the company could not afford to pay for it. Although Mr Ucar continued to own the goodwill, the company used the goodwill without payment. The company and the goodwill were sold to a third-party buyer in 2007. The goodwill was valued at £476,000 and this was paid to Mr Ucar. The company subsequently became insolvent and the liquidators sought to recover the £476,000 from Mr Ucar on the basis that the goodwill had belonged to the company and the payment to him was a transaction at an undervalue.[71]The High Court held that, on the evidence, Mr Ucar had retained the goodwill and had impliedly licensed it to the company. It was also acknowledged that the company would have built up its own post-incorporation goodwill and the sum should be apportioned.[72]The second case, on which the Appellant relies, is Smith and Corbett v HMRC [2023] UKFTT 912 (TC) (Corbett). The Appellant contends that its case is on all fours with Corbett and we will consider it in more detail in the next section.[73]For present purposes, we agree that the Tribunal’s obiter statements in Corbett support the Appellant’s contention that it is possible for an individual director of a company to own personal goodwill separate from the company’s business. At [32]-[33] the Tribunal said:
“…HMRC would seek us to conclude therefore that goodwill can only ever belong to the entity which carried on the business to which the goodwill (the reputation and propensity to generate future income) relates. 33. However, we consider that the position is more complex than HMRC contend. Plainly, goodwill is associated with the operation of a business but that is not the same as concluding that the goodwill so associated can only vest or be owned by the company.”
[74]The Tribunal found authority for this in the Court of Appeal case of Kirby v Thorn EMI plc [1987] BTC 462.[75]At [39] the Tribunal concluded:
“…on the facts we consider that the asset (however is it labelled) of the reputation and relationships of the Appellants [the individual directors] with individuals belonged to them and not to SIFA [their employing company].”
[76]Mr Asuelimen conceded that it was possible, in some circumstances, for goodwill to be owned by a person other than the entity which owned the business but contended that this was not the case for Mr Walters.[77]We find that the authorities indicate that it would be possible for Mr Walters to own personal goodwill in relation to the business carried on by WWM Ltd. and we now consider whether he did, in fact, own such goodwill.

Did Mr Walters own personal goodwill in 2014?

[78]The Appellant acknowledges that Mr Walters sold his sole trader business, including its goodwill, to WWM Ltd. in 2008, but it argues that Mr Walters generated further goodwill from his relationships and connections in the period from 2008 to 2014 and that the additional goodwill belonged to him personally. It submits that he could therefore transfer that goodwill to LLP in 2014.[79]Mr Gostling relied on Corbett and submitted that the situation in that case was identical to Mr Walters’ situation. We therefore consider the facts of Corbett in some detail.[80]The issue in Corbett was whether a company, SIFA, had made a distribution of goodwill to its shareholders, Mr Smith and Mr Corbett, so that they were liable for tax on a dividend in specie.[81]Mr Corbett was an independent financial adviser and, initially, a sole trader. Mr Smith began working for him in 1995. The Tribunal found at [17(6)] as follows:
“There is no written evidence as to the terms of Mr Smith’s employment at the time he commenced employment, but we accept the evidence of both Mr Smith and Mr Corbett that his clients “belonged” to him. Whilst employed it was expected that Mr Smith would cultivate and nurture professional relationships with the clients with whom he had historically worked and develop new relationships, usually by word of mouth from existing relationships. The propensity for (initially Mr Corbett and subsequently SIFA) to be able to derive income from those clients was founded in the relationship between the client and Mr Smith and his personal reputation with them and not as a consequence of the reputation of his employer. As such, we find that despite there being no formal written terms of employment for the period from 1995 - 1999 it was accepted and agreed between Mr Corbett and Mr Smith that should Mr Smith cease employment with Mr Corbett his clients would follow him together with the ability to obtain an income from advice provided to them.”
[82]Mr Corbett’s business was incorporated into SIFA in 1999. There was a similar understanding/expectation concerning the “ownership” of Mr Smith’s clients between SIFA and Mr Smith, as there had been with Mr Corbett. It was inferred that the same applied to Mr Corbett’s clients/client list.[83]Mr Corbett was the sole owner of SIFA and initially its sole director. Mr Smith became a director in 2006. At no point was any value attributed to Mr Corbett’s clients in the SIFA accounts[84]In 2002, Mr Smith’s employment arrangements were formalised by a written contract. The template contract included restrictive covenants which would have prohibited Mr Smith from soliciting any client of SIFA for 12 months. This clause was specifically deleted from the contract as it was inconsistent with the oral arrangements under which Mr Smith was entitled take his clients with him if he left SIFA and continue to provide them with advice.[85]Mr Smith purchased a one-third holding in SIFA in 2006 for £15,000, the price being determined by the net book value of the fixtures and fittings of the business premises. The Tribunal found that:
“At the time of the share purchase we find that no value for goodwill was attributed to Mr Corbett’s client relationships and the price paid for the shares represented approximately one third of the net book value of fixtures and fittings.”
[86]All the income from the relationships accrued to the employer.[87]In 2012 the business of SIFA was transferred to a Limited Liability Partnership, SWM, the partners being Mr Corbett and Mr Smith, their respective wives and SIFA.[88]Under the transfer agreement, SIFA assigned its business as a going concern with all assets including “the goodwill and the trade name ‘Simpsons Independent Financial Advisers’” and “lists of customers, suppliers, agents and others and all subsisting records lists and information””. This was regarded as SIFA’s contribution to SWM’s capital and was valued at £35,032. A further transfer of £76,094 was made later.[89]The SWM accounts also showed capital introduced by Mr Corbett and Mr Smith of £1,179,000 and £1,017,000 respectively. This was recorded as goodwill. The contributions were the market value of the personal relationships with individuals requiring independent financial advice (being 3 x the prior year’s income derived for the benefit of SIFA from their respective personal relationships). The contributions were made by Mr Corbett and Mr Smith personally and the asset had never belonged to SIFA.[90]Both Mr Corbett and Mr Smith were at all material times personally registered and regulated by the FCA so that they were personally permitted to provide financial advice.[91]HMRC argued in Corbett that the goodwill attaching to Mr Corbett’s and Mr Smith’s relationships belonged to SIFA, so that, in order for the individuals to contribute that goodwill to the LLP, SIFA must have made a distribution i.e. paid a dividend in specie. The Tribunal found, largely based on the accounting evidence, that the company had never owned any goodwill and so could not have declared a dividend of it. The Tribunal concluded, in an obiter analysis of the goodwill, that:
“…the relationships themselves represent a valuable asset. Whilst in employment those relationships provided SIFA the opportunity to generate income but the underlying relationship was one which vested with each of the Appellants and which could (subject to the decision of a client to transfer that relationship to another advisor within SIFA) be taken from SIFA without restriction. … on the facts we consider that the asset (however is it labelled) of the reputation and relationships of the Appellants with individuals belonged to them and not to SIFA.”
[92]In coming to that conclusion, the Tribunal distinguished the case of HMRC v Smith & Williamson Corporate Services Limited(1) and Patrick Smiley(2) [2015] UKUT 0666 (TCC) (Smiley). Mr Asuelimen contends that the relationships in the present case are similar to those in Smiley and that Corbett can be distinguished.[93]Mr Smiley and other members of his team (Team) worked at Butterfield Private Bank (Butterfield). The Team were fund managers and through their work at previous firms and Butterfield they built a customer portfolio with funds under management of more than £400m.[94]The Smith & Williamson group included SWCS and an investment management company, SWIM. The group wanted to increase the funds under management of SWIM. Pursuant to this strategy, SWCS recruited the Team, the members of which were employed under contracts of employment on fully commercial terms. By a separate contract with SWIM (not the employer) Mr Smiley and other members of the Team agreed to deliver to SWIM his client relationships for what was described as a Goodwill Payment (Payment). The issue in this case was whether the payment received by Mr Smiley was a capital payment (for goodwill) or an emolument of his employment.[95]The group’s intention was that SWIM would acquire as its own clients as many clients as possible of Butterfields which had been serviced by the Team. To achieve this the Team became employees of SWCS and brought with them those clients of Butterfield who chose to move their business and investments to SWIM. The clients belonged to Butterfield, not to members of the Team. The Team were to use their personal connections with the clients to persuade them to move to SWIM, provided that did not breach their obligations to Butterfields. Once clients had been transferred, the group sought to retain them for itself by measures such as imposing tough restrictive covenants and gardening leave provisions on the Team.[96]The Upper Tribunal agreed with the judge at first instance that the Team did not have an asset to sell. The Tribunal said at [120] The Judge returned to this aspect of the case … asking himself whether the Team had an asset to sell. He said this:
“…Since the Team did not own the client connections, it could not have sold them. Thus my answer to the question is “No”
. What it was capable of doing, and in my judgment did, was to transfer to SWIM the right to exploit its client connections with the clients of Butterfield; and SWIM paid for and received, or came into possession of, those relationships, but no more.”[97]What the Team did have was set out at [147]:
“…the Team did not own or have any legal interest in the business being carried on by Butterfield. They did not own or have any interest in the goodwill of that business. They had no right to take, and did not take, any confidential information of Butterfield with them. All that they had were personal relationships with Butterfield’s clients which they had built up over the years of their employment with Butterfield and previous employers. It was open to them, so far as was consistent with their contractual obligations to Butterfield (which is not suggested were breached), to introduce to SWIM the Butterfield clients with whom they dealt and to agree to assist in or procure the transfer of those clients and their funds to SWIM.”
[98]In considering the distinction between goodwill and personal relationships or contacts, the Tribunal said at [37]-[38]: “37. On the question of goodwill and customer connection, it is worth citing a short passage from Asprey & Garrard Ltd v WRA (Guns) Ltd [2001] EWCA Civ 1499 (Asprey). This was an action for passing off. Mr William Asprey had previously been employed by the claimant, the shares in which had been sold by the Asprey family in 1995. At [36] of his judgment, Peter Gibson LJ said this: “The goodwill generated by the six generations of Aspreys previous to William Asprey, trading for two centuries and more, unquestionably belongs to the Claimants…… Any goodwill resulting from William Asprey’s work for the Claimant as its employee also belongs to the Claimant and he cannot properly seek to associate any business in which he is now interested with the Claimant’s goodwill. Of course, the fact that he established personal contacts whilst so employed cannot be taken from him and in the absence of a restrictive covenant restraining him from making use of such contacts, he is free to do so….” (our emphasis) 38. One sees clearly articulated in that short passage the distinction between goodwill and the personal contacts, which is simply another way of describing customer connection.” “The goodwill generated by the six generations of Aspreys previous to William Asprey, trading for two centuries and more, unquestionably belongs to the Claimants…… Any goodwill resulting from William Asprey’s work for the Claimant as its employee also belongs to the Claimant and he cannot properly seek to associate any business in which he is now interested with the Claimant’s goodwill. Of course, the fact that he established personal contacts whilst so employed cannot be taken from him and in the absence of a restrictive covenant restraining him from making use of such contacts, he is free to do so….” (our emphasis)[99]The Tribunal concluded that Mr Smiley and the other members of the team did not own an asset akin to goodwill. They had strong personal relationships which they had built up with clients over a period but this was not an asset and could not be sold. It said at [164]-[165]:
“164. In my judgment, the evidence establishes that the Payment was a reward to the Team for introducing the Butterfield clients to SWIM and procuring, or assisting in procuring, the transfer of those clients to SWIM. In other words, as Ms Wilson puts it, the Team provided a service. I do not consider that it is right to describe what the Team did as “the transfer of rights to exploit client connections”. 165. Further, such power as the Team had to turn their relationships with clients to account is not, I consider, to be equated with goodwill. The decisions in Asprey and Kirby v Thorn EMI give a succinct description of the perhaps elusive concept of goodwill, contrasting it with personal connection built up over the years (as in Asprey) or the right to trade (as in Kirby v Thorn EMI). The right to exploit which the Judge seems to have identified is not the right to sell the customer portfolio, a right which belonged to Butterfield; it is not the right of ownership of the assets or of the right to manage the assets. It is not of itself goodwill, which belonged to Butterfield. Further, it makes no sense to speak of Mr Smiley as having the “right” to “exploit” his clients’ personal loyalty – although he is free to take advantage of the relationships – any more than it is correct to speak of a person as having the right to trade. Further, as I have already pointed out, the client relationships enjoyed by the Team cannot be transferred; they are personal relationships between individuals. What the Team can do is introduce their clients to SWIM and attempt to procure their transfer to SWIM. But SWIM does not thereby acquire a personal relationship between a Team member and the client. That relationship might continue if the team member continues to service the relevant client, but the relationship remains that between the member of the Team and the client; or a new personal relationship might develop between a new client manager at SWIM but it is not the same relationship.” [Emphasis in original]
[100]HMRC contends that, having transferred his business including goodwill to WWM Ltd. and becoming its employee, the future goodwill accrued to the company. Accordingly, Mr Walters had only his personal relationships and connections which Smiley makes clear is not an asset and cannot be sold.[101]In the light of the authorities, we now consider the nature of what Mr Walters had and whether that was personal goodwill and a saleable asset, or merely client relationships.[102]As Mr Gostling submitted, there are many similarities between Mr Walters’ situation and that of Mr Corbett and Mr Smith. However, there are also some significant differences. In particular, Mr Corbett and Mr Smith never transferred any goodwill to SIFA. The Tribunal in Corbett found, largely on accounting evidence based on GAAP, that the company did not own, and had never, owned any of the goodwill relating to the clients of Mr Corbett and Mr Smith. Although the agreement for the sale of the business from SIFA to SWM included “goodwill” the actual assets transferred did not include any goodwill, because the company had none to transfer. Mr Corbett and Mr Smith considered that the client relationships which each of them had built up “belonged” to them respectively. This resulted in an agreement/understanding that if one of them left the business, he was permitted and expected to take his clients, and the ability to obtain an income from the advice provided to them, with him. To facilitate this, the formal employment contract with Mr Smith deleted the restrictive covenants which would normally be included to protect the employer’s goodwill.[103]It is also relevant that both Mr Corbett and Mr Smith had full FCA registration in their own right. Essentially, Mr Corbett and Mr Smith continued to operate their own businesses with their own clients, building up their own goodwill, which included not only the personal connections and relationships but the ability to monetise those relationships for their own benefit, at any time, by leaving SIFA’s employment. In the meantime, the clients were “parked” in the company for contractual and administration purposes.[104]In summary, despite the employment by SIFA, on the facts of Corbett, the individual directors/employees retained the goodwill of their respective businesses for their respective benefit.[105]In the present case, Mr Walters made the decision in 2008 to incorporate his business and to derive his future income from a salary as an employee of the company and dividends as a shareholder. He transferred the whole of his business including his goodwill to the company. The sale agreement was not in the bundle, but goodwill was recorded in the company accounts and duly amortised.[106]We noted above the terms of the sale contract from 2021 by which WWM Ltd. sold part of its business. This involved SJP and included restrictive covenants on the part of the seller which one would expect to see to protect the goodwill acquired by the purchaser. Mr Walters confirmed that a similar contract would have been used in 2006 which would have protected his purchased goodwill in the book of clients which he bought.[107]Following the incorporation of the company, Mr Walters did not carry on any sole trade. He was an employee of the company only.[108]We fully accept that the company’s growth and prosperity arose from Mr Walters’ hard work and the existing connections and client relationships which he nurtured, and the new relationships which he forged. We also accept that in informal terms, Mr Walters regarded the clients as “his” clients, even though their contractual relationship was with the company. We inferred that Mr Walters would have signed a Business Transfer Agreement similar to the 2021 Agreement in 2008 when the company was incorporated. On the balance of probabilities therefore, he would have been subject to restrictive covenants which limited his ability to advise clients of the company. We acknowledge that, had he left WWM Ltd., it is likely that many clients would have wished to go with him. Whilst Mr Walters owned WWM Ltd. any restrictive covenants would not have been a problem, but if he had sold the company, or if, as happened, the company sold its clients, the buyer would be entitled to enforce any restrictive covenants to protect the company’s/buyer’s goodwill.[109]We find that Mr Walters did not retain the ability to benefit personally from future fees arising from “his” clients in the same way as Mr Corbett and Mr Smith did. Further, he could not simply have walked away from WWM Ltd. and continued advising the clients, even if he owned the company, as he did not have a personal registration with the FCA and so could not legally advise them until he had obtained regulated status directly or as an Appointed Representative.[110]Unlike Mr Corbett, Mr Walters did not preserve his goodwill in relation to the clients outside the company; he transferred the whole business, including the goodwill to the company on incorporation. We do not therefore consider that the principles in Corbett apply in this case.[111]It is clear that so far as further work arose from the book of clients transferred in 2008 the goodwill, in relation to those clients, belonged to the company. Mr Gostling submitted that the disputed goodwill arose between 2008 and 2014. In that period, Mr Walters, as an employee, could only exploit his client relationships for the benefit of the company. Mr Walters might have been the source, indeed, the only source, from which the company built up its business, but the growing business and the goodwill associated with it belonged to the company.[112]This was the position in Asprey as quoted in Smiley: “The goodwill generated by the six generations of Aspreys previous to William Asprey, … unquestionably belongs to the Claimants [Asprey]…… Any goodwill resulting from William Asprey’s work for the Claimant as its employee also belongs to the Claimant and he cannot properly seek to associate any business in which he is now interested with the Claimant’s goodwill. Of course, the fact that he established personal contacts whilst so employed cannot be taken from him and in the absence of a restrictive covenant restraining him from making use of such contacts, he is free to do so….” [our emphasis][113]Events after 2014 reinforce our view that the disputed goodwill belonged to the WWM Ltd., despite the somewhat confusing evidence of the accounts and tax returns. Mr Walter’s evidence was that as he approached retirement the company sold off tranches of business relating to its less profitable clients to third parties. These sales did not appear in the company’s accounts. The accounts did show the goodwill acquired from Mr Walters and further goodwill from a book of business it had bought from a third party in 2011. This goodwill was amortised in accordance with GAAP. Also in accordance with GAAP, internally generated goodwill was not included in the accounts, but that does not prevent it existing.[114]In 2021 WWM Ltd. disposed of part of its business to a company called Marshall Wealth Management Ltd. (Marshall). We have noted that this was a formal sale agreement in SJP’s standard form between WWM Ltd., Marshall and SJP. The copy in the bundle was not a completed copy; the names of the clients to be transferred were missing and it was not dated although it was signed by WWM Ltd. and Marshall.[115]The assets to be sold were set out in clause 2.1:
“…the Buyer shall buy…as a going concern that part of the Business [the business of giving advice on financial planning] comprising: (a) The Goodwill…;the Client List and the right to deal with Clients in respect of any period after the Completion Date; the Work in Progress; the Intellectual Property and the Business Records; and (b) The Fixtures and Fittings and the Stock” (a) The Goodwill…;the Client List and the right to deal with Clients in respect of any period after the Completion Date; the Work in Progress; the Intellectual Property and the Business Records; and (b) The Fixtures and Fittings and the Stock”
[116]“Goodwill” was defined as “the goodwill of the Seller in connection with the part of the Business to be sold, together with the right of the Buyer to represent itself as carrying on the Business in succession to the Seller…”.[117]“Assets” are defined as “those assets employed in the part of the Business to be sold to the Buyer as specified in clause 2.1”.[118]There was an Annexure headed “Client Lists” although the names of the clients being transferred had not yet been added. WWM Ltd. gave a series of warranties set out in schedule 1 which included at paragraph 2: “The Seller is entitled to sell and transfer to the Buyer the full legal and beneficial ownership of the Assets with full title guarantee without the consent of any other person”. [our emphasis][119]The Consideration was to be paid in two tranches. The First Payment was £344,514 and the Second Payment was £86,129, a total of £430,643.[120]We do not know the date when the 2021 sale took place, but we consider that the assets shown in the accounts to 30 April 2021 will give an indication of the assets and value of the company. The balance sheet of WWM Ltd. for the year ended 30 April 2021 does not include a figure for goodwill as the purchased goodwill had been written down to zero by this time. The assets consisted of:(1) Fixtures, fittings and equipment: written down value £16,801(2) Investments, less impairment, of £130,377. The investment “relates to an investment in WWM (Harrogate) LLP, an LLP in which the company and its director are members”.(3) Trade and other debtors of £33,227(4) Cash at bank: £215,335[121]The net assets after deducting liabilities were shown as £232,639.[122]We would question the value of the investments in LLP, essentially capital contributions, given that LLP had no business and, on the evidence provided did nothing but hold the disputed goodwill.[123]Taking the accounts at face value, the net assets were £232,639. Marshall paid £430,643 for the part of the business transferred. (We understand this was the final part of the business i.e. all that was left). The classic definition of goodwill is the difference between the price paid for a business and the value of its assets. Although we do not have precise figures, it is clear that Marshall paid far more than the net asset value for the business. That difference can only have been the goodwill which belonged to the company. If it belonged to the company, it cannot also have belonged to Mr Walters/LLP.[124]Clause 6 of the Sale Agreement provided: “In order to protect the Goodwill for the benefit of the Buyer the Seller shall enter into the Restrictive Covenant Deed on Completion”.[125]Although we did not have a copy of the deed in the bundle, we infer that it would have contained the usual covenants preventing the Seller from taking back the clients who had been sold or doing any work for them within a specified period. The express purpose of the deed is to protect the goodwill which the Buyer had purchased.[126]Further, the warranty set out at [118] states that the Seller can sell the Assets (which include the Goodwill) without the consent of any other person. If the Goodwill or any of it was owned by LLP, WWM Ltd. could not have given this warranty. Nor was there any evidence that LLP was involved in the sale or had purported to sell any goodwill along with the company, as Mr Gostling had suggested.[127]For the above reasons, we conclude that any goodwill generated between 2008 and 2014 belonged to the company, WWM Ltd., and not to Mr Walters personally.[128]What then did Mr Walters have?[129]Mr Walters had strong client relationships and connections which enabled him, as an employee of WWM Ltd., to generate income for the company. As with Mr Smiley, he had connections which could be turned to account, but this does not equate to goodwill, which we have found accrued in the company, albeit as a result of the clients brought to it by Mr Walters.[130]Client relationships and connections as such are not goodwill, although they may be used to generate goodwill. In this case, the goodwill was generated in the company. Mr Walters’ client connections were not an asset. Mr Walters did not own any property which could be transferred to LLP.[131]We find the rationale for creating the LLP unconvincing and even if Mr Walters had owned the disputed goodwill and transferred it to LLP, it was unclear how this would have worked in the context of the business as a whole. Mr Gostling argued that whilst the clients belonged to the company, the value of the income stream from the company’s clients would accrue to the LLP. We are unable to understand how that might happen. Mr Gostling was unable to explain how LLP might dispose of its “asset” eventually suggesting that it would have to be sold alongside a disposal by the company as LLP had no clients. We have pointed out above that it would be impossible to correlate goodwill in LLP with a book of clients sold by the company. These conceptual and practical difficulties reinforce our conclusion that Mr Walters could not have transferred goodwill to LLP.[132]In conclusion, Mr Walters had strong client relationships which enabled him to build a successful business in the company. He did not retain any goodwill on the sale of his business to the company, and he did not build up any personal goodwill outside the company after that. He continued to develop his client relationships but that was not an asset.[133]Mr Walters had no asset to transfer to LLP. Personal relationships cannot be transferred to a third party. The purported transfer of the disputed goodwill was not a transfer of an intangible asset, and it had no value. Accordingly, Mr Walters did not make a capital contribution to LLP and LLP did not acquire capital of £860,662 or anything of any value at all. HMRC’S conclusion in the closure notices that the “goodwill” figure should be removed from “other fixed assets” and from the capital account of LLP was therefore correct.

Decision

[134]For the reasons set out above, we have decided that the Appellant did not acquire any goodwill or other assets capable of being a capital contribution by Mr Walters. Accordingly, we uphold the closure notices and dismiss the appeal.

Right to apply for permission to appeal

[135]This document contains full findings of fact and reasons for the decision. Any party dissatisfied with this decision has a right to apply for permission to appeal against it pursuant to Rule 39 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009. The application must be received by this Tribunal not later than 56 days after this decision is sent to that party. The parties are referred to “Guidance to accompany a Decision from the First-tier Tribunal (Tax Chamber)” which accompanies and forms part of this decision notice. Release date: 04 June 2026