Tax planning that helps you keep more of what you earn
Forward looking tax planning for individuals and companies, using allowances, reliefs and an efficient mix of salary and dividends, reviewed before each year end rather than after.
Allowances used in full Salary and dividend mix Reviewed before year end
Most tax is decided by the choices you make during the year, not by the return you file afterwards. By then it is usually too late to change anything. Planning ahead is where real savings are found, legally and sensibly.
We look at your income, your business and your goals, then build a plan that uses your allowances and reliefs in full. For company directors that often means the right balance of salary and dividends, pension contributions and timing decisions made before the year closes.
What is included
Annual tax planning review
Salary and dividend planning
Pension and allowance advice
Timing of income and costs
Profit extraction strategy
A clear written plan you can act on
Who it is for
This service suits company directors, higher earners, landlords and growing businesses that want to plan ahead rather than simply report what has already happened.
If your income has changed, or you are approaching a higher tax band, planning now can make a real difference to your bill.
Planning beats reporting
A return tells you what you owe. A plan changes it. We review your position before the year end, while there is still time to act.
How it works
1
We review your position
We look at your income, your business and what is coming up.
2
We build your plan
We set out the allowances, reliefs and choices that suit your situation.
3
We talk it through
We explain each option clearly so you can decide with confidence.
4
You act before year end
We help you put the plan in place while it still counts.
Common questions
Is tax planning the same as tax avoidance?
No. We use the allowances and reliefs the law provides, in the way they are intended. This is sensible, legitimate planning, not aggressive schemes, which we do not offer.
When is the best time to plan?
Before your year end, while there is still time to act. A review a few months before the end of the year usually gives the most options.
Who benefits most from planning?
Company directors, higher earners and landlords often have the most decisions to make, and therefore the most to gain from planning ahead.
What does it cost?
Planning can be a one off review or part of ongoing support. Start your fixed fee quote and we will confirm everything once we have reviewed your details.
How do I get started?
Fill in the short form on this page with your name, email and what you need. We will reply within one working day with the next steps and a clear fixed fee. There is no obligation.
How quickly will you reply?
We aim to reply to every enquiry within one working day, Monday to Friday. If a deadline is close, tell us in the form and we will prioritise it.
Do I have to commit to anything?
No. Your first call and your quote are free and with no obligation. We only start once you are happy with the fixed fee and have asked us to go ahead.
Can you take over from my current accountant?
Yes. Switching is straightforward and we handle the professional handover for you. You let your current accountant know, and we sort the rest.
Ready to make this simple?
Tell us about you using the form above, or book a friendly call with no obligation. We will explain exactly how we can help, on a clear fixed fee.
This page is for company directors and owners who want to take money out of their business in a sensible, well planned way, and for individuals who simply want to make sure they are not paying more than they need to. The questions we are asked most often are how much salary to take, how to use the dividend allowance, and how to time decisions so they fall in the right tax year. Good planning is about looking ahead rather than reacting after the year end. We advise clients across the whole of the UK online, so everything is handled remotely with no office visit required.
What you will need
Details of your current salary, dividends and any other income for the year
Your latest company accounts and an idea of the profit available to distribute
Your most recent tax return or computation, if you have one
Records of pension contributions, Gift Aid donations and any student loan plan
Details of other household income, such as a spouse or civil partner who is a shareholder
Information on benefits in kind, such as a company car or private medical cover
Any plans for the year ahead, such as a property purchase, a sale of assets or retirement
Worked example
A director taking salary plus dividends
Tom is the sole director and shareholder of his limited company. In 2026/27 he takes a salary of £12,570, which uses his full personal allowance, and then draws the rest of his income as dividends. He decides to take dividends of £40,000 for the year. The first £500 of those dividends is covered by the dividend allowance and is taxed at nothing. His salary has already used the personal allowance, so the remaining £39,500 of dividends falls within the basic rate band, because his total income stays below the £50,270 higher rate threshold. That £39,500 is taxed at the basic dividend rate of 8.75 per cent, which is £3,456. By keeping his total income inside the basic rate band, Tom avoids the higher dividend rate of 33.75 per cent that would apply to income above £50,270. We model these options for you and explain the trade offs plainly, on a fixed fee agreed up front.
Go deeper
Related guides, tools and real results
Everything around tax planning, in one place, all part of working with us.
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