Dividend and personal tax rates keep shifting
Rates and allowances change, and last year's remuneration mix may no longer be the best one.
How we fix itWe model salary, dividends and pension contributions each year against current rules.
Tax & Structuring
Tax planning for company directors and shareholders
Take money out of your company in the right way, at the right time, with no nasty surprises.
One working dayTypical reply time to every enquiry
Fixed feesAgreed in writing before work begins
FCCA-ledSenior, qualified oversight on every engagement
ConfidentialStrict confidentiality, NDA on request
Sound familiar?
The problems we are usually asked to solve
Directors of owner-managed companies make a series of tax decisions every year, often without realising: how much salary, how much in dividends, whether to pay into a pension, how to treat a director's loan. Made together and early, those decisions save a great deal. Made separately and late, they cost it.
Your director's loan account is overdrawn
If a loan is not repaid in time after the year-end, the company can face a significant tax charge.
How we fix itWe review the account, plan repayment or restructure it before the deadline.
Cash is trapped in the company
Profits build up but taking them out personally triggers high tax.
How we fix itWe plan extraction through pensions, timing, reliefs and group structures where appropriate.
Personal and company tax are handled separately
Nobody looks at the whole picture, so opportunities are missed and mistakes slip through.
How we fix itWe plan the company and the individual together, in a single annual review.
What you get
- Annual remuneration reviewOptimal salary and dividend mix for each director and shareholder.
- Pension and benefit planningEmployer pension contributions and tax-efficient benefits.
- Director's loan account managementReviewing balances, repayments and reporting.
- Capital gains and reliefsPlanning around Business Asset Disposal Relief and other reliefs ahead of any sale.
- Family and shareholder planningShare ownership, family involvement and settlement rules.
- Personal tax returnsSelf-assessment returns prepared consistently with company decisions.
Best suited toOwner-managed company directors and shareholders, contractors and professional services firms.
The outcomeA tax position designed in advance, with a clear annual plan instead of a last-minute scramble.
How it works
- UnderstandWe review your position, structure and any correspondence and clarify your goals.
- ModelWe quantify the options so you can see the cost and benefit of each route.
- ImplementWe put the plan in place with your lawyers and advisers and file what is needed.
- ProtectWe keep the file, review annually and deal with HMRC if questions arise.
Questions we are often asked
When should I review my remuneration?
Ideally before the end of the company's financial year and again before the personal tax year ends in April, once forecasts are clearer.
Is dividend extraction still worthwhile?
Often yes, but the right mix changes with rates and allowances. We model it for your situation each year.
Can you help if I have moved abroad?
Yes. Residence changes the analysis completely. See our Spain services for UK directors living in Spain.
Tell us what is on your mind. We will tell you honestly how we can help.
Send a short note. A senior member of the team replies by email, normally within one working day, and every first conversation is confidential.