Specialist advice · High earner tax planning

Annual or one-off planning

Plan the tax traps before the bonus arrives

We project the whole income position, identify the allowances and reliefs that still fit and turn them into a practical sequence of actions.

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Scope of the report

One forecast across every source of income

The result is a 15 to 25-page PDF and implementation checklist, delivered within five working days.

A tax forecast across salary, bonus, benefits, share schemes, dividends and rental income
Personal allowance erosion above £100,000
High Income Child Benefit Charge and student loan threshold calculations
Pension annual allowance tapering and three-year carry-forward analysis
Salary sacrifice options for pension, cycle to work and electric vehicle schemes
Net benefit calculations for each salary sacrifice option
Employer pension contribution optimisation
EIS, SEIS and VCT suitability, relief calculations and risk alignment
A prioritised action plan with tax saved, complexity and implementation timing
An editable personal tax projection spreadsheet for scenario planning

Advice is signed by the adviser who gave it, with the date and the facts it relied on. If your plans change, the advice is reviewed rather than stretched.

Priced by total income

A known fee for a complete position

Standard

£100,000 to £150,000 total income

£750 ex VAT

Professional

£150,000 to £250,000 total income

£1,250 ex VAT

Executive

£250,000 to £500,000 total income

£2,000 ex VAT

Complex

£500,000+ or multiple income sources

£3,000 ex VAT

Implementation call

£250 ex VAT

A 45-minute walkthrough of the recommendations and questions.

Tax return preparation

From £500 ex VAT

Preparation and filing of the Self Assessment tax return.

Planning retainer

£1,500 a year ex VAT

Quarterly reviews and updated planning as circumstances change.

How the work runs

From current income to an ordered action plan

Initial estimate

The calculator uses basic inputs to show an estimated bill and potential savings range before you request the personalised report.

Qualification and payment

Employment details and income range generate the quote. A payment link is provided for immediate engagement.

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Data collection

We collect current income, three prior years for carry forward, pension contributions, tax-advantaged investments and family circumstances.

Report delivery

The forecast and scored strategies are quality-reviewed, then delivered with a personal action plan and editable spreadsheet.

Planning boundaries

Planning, not an aggressive scheme

Salary sacrifice, pension contributions and EIS use reliefs and incentives in legislation. We do not recommend aggressive schemes.

Adjusted net income

Salary, bonus, taxable benefits, share schemes, dividends, rent and most other UK income count. Pension contributions and Gift Aid can reduce the figure.

Pension tapering

For high earners with adjusted income over £260,000, the standard annual allowance can taper to £10,000. The report calculates the allowance and available three-year carry forward.

Investment risk

EIS and SEIS invest in smaller or early-stage companies and carry higher risk. Stated reliefs include up to 50% for SEIS and 30% for EIS plus relevant CGT exemptions. Suitability is assessed and they are not recommended for everyone.

Review frequency

Review at least annually and before bonus season. The retainer provides quarterly reviews as income, allowances and tax law change.

Plan before the year closes

Do not report the sixty percent band after the chance to act has passed

The report identifies the legitimate actions available, what each could save and when each must happen.

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