Tax Advisory. Done right.

For 2025/26 the optimal point for most single-director companies is a salary at the £12,570 personal allowance (or £9,100 NI secondary threshold if you can't claim Employment Allowance), then dividends up to the £50,270 basic rate band. Above that, dividends are taxed at 33.75%, so further extraction often loses to pension contributions or retained profits. We model the actual numbers for your situation rather than relying on rules of thumb.

Employer pension contributions are deductible against corporation tax with no NI cost, and the annual allowance is £60,000 (tapered down to £10,000 for very high earners). Unused allowance from the previous 3 tax years can be carried forward. For an owner-managed company, this is often the single biggest tax-saving lever available before considering more complex structuring.

Business Property Relief gives 100% IHT relief on qualifying trading company shares held for 2+ years, but from April 2026 that 100% rate is capped at £1m combined with Agricultural Property Relief, with 50% relief above. We structure share classes, family investment companies, and lifetime gifting strategies to protect value through the change. The earlier we plan, the more options stay open.

A written annual tax plan covering personal, corporate, and (where relevant) inheritance and capital gains positions, plus quarterly check-ins to react to legislation changes or life events. You also get unlimited ad-hoc questions answered within 72 hours by an ACCA-qualified adviser — no clock-watching. Implementation of any restructuring is included, not billed separately.

Before any engagement, we run a free 30-minute review and quote the likely annual tax saving. If we can't identify savings that comfortably exceed our fee, we'll tell you. Most advisory clients see 3–10x ROI in the first year from reliefs and structural changes their previous accountant never raised.