Strategic Pension Planning · Surrey & Home Counties

Turn company profits into
lasting personal wealth

Specialist pension and tax planning for SME directors and business owners. Reduce your corporation tax legally, extract profits efficiently, and build the retirement you deserve.

Book a Consultation Calculate Tax Savings
25%
Corporation tax rate
offset via contributions
£60k
Annual pension allowance
per director (2024/25)
£2m+
Typical client assets
under management
Corporation Tax Calculator
See how much you could save instantly
Corporation Tax Saved
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FCA Regulated Advice
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Chartered Financial Planners
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Specialist SME Expertise
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Surrey · Berkshire · Bucks · London
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No upfront fees for initial consultation
Why Business Owners Choose Us

Your business has created wealth.
Now protect and grow it.

Reduce Corporation Tax Legally
Employer pension contributions are a corporation tax-deductible expense. A director contributing £60,000 per year saves up to £15,000 in corporation tax — compounding to significant amounts over a planning horizon.
Extract Profits Tax-Efficiently
Moving from salary and dividends to pension contributions can reduce your effective tax rate substantially. We model every extraction route to identify the optimal strategy for your circumstances.
Build Wealth Beyond the Business
Many business owners hold too much wealth inside their company. We diversify your financial position through pensions, ISAs, and investment portfolios — protecting against business-concentration risk.
Plan Your Business Exit
Whether you are considering a sale, MBO or family succession, tax-efficient pre-exit planning — including SSAS pensions — can materially improve your outcome.
Illustrative Tax Position — £500k Profit
£37,500
Potential annual corporation tax saving through strategic director pension contributions of £150,000 per year across three directors.
Corp Tax Saving
£37.5k
Pension Growth
£150k
Net Benefit
£187.5k
Illustrations are for educational purposes only. Tax treatment depends on individual circumstances. Past performance is not a guide to future returns.
Our Specialist Services

Comprehensive planning for
the business-owning family

Every service is tailored to the specific financial position of company directors and SME owners — not generic financial planning.

01
Director Pension Planning
Structured pension planning for company directors, including carry-forward allowances, employer contributions, and investment strategy aligned to your retirement timeline.
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02
SSAS Pensions
Small Self-Administered Schemes offer unique advantages — purchasing commercial property, lending to the business, and creating a family pension legacy with exceptional tax efficiency.
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03
Corporation Tax Reduction
Identify every legal avenue to reduce your corporation tax liability through pension contributions, remuneration planning, and structuring employer benefit strategies.
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04
Business Exit Planning
Pre-sale pension funding, Business Asset Disposal Relief planning, and SSAS utilisation to maximise your post-exit financial position before any transaction completes.
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05
Defined Benefit Reviews
Independent analysis of final salary pension schemes — understanding your options, transfer value assessments, and how DB income integrates with your broader retirement plan.
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06
Estate & Succession Planning
Pensions remain outside your estate for inheritance tax purposes. Structured estate planning ensures your wealth transfers efficiently to the next generation.
Learn more →
Financial Calculators

Quantify the opportunity
in minutes

Our planning tools give you an immediate sense of the financial impact. All projections are illustrative — your adviser will produce a detailed personalised analysis.

Corporation Tax Savings
Your Estimated Position
Total Contributions
£120,000
Corporation Tax Saved (25%)
£30,000
Net Pension Investment
£90,000
Effective Cost to Company
£90,000
These figures are illustrative only. The 25% corporation tax rate applies to profits over £250,000. Your effective rate may differ. Speak to an adviser for a personalised analysis.
Director Pension Projection
Pension Projection
Years to Retirement
20 years
Estimated Fund Value
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Estimated Annual Income
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Total Contributions Made
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Projection assumes 6% annual net investment growth. Actual returns will vary. 25% tax-free cash assumed on drawdown. This is not financial advice.
Business Exit Calculator
Exit Planning Summary
Pension Fund at Exit
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Corp Tax Saved (Pre-Exit)
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Estimated Retirement Income
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Net Proceeds After CGT (est.)
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CGT estimated using Business Asset Disposal Relief at 10% on first £1m of qualifying gains. Assumes business value unchanged at exit. Illustration only — not financial advice.
Our Process

From initial conversation
to lifelong plan

1
Discovery Consultation
A confidential 45-minute conversation to understand your business, financial position, objectives, and tax situation. No obligation, no charge.
2
Detailed Analysis
We review your company accounts, existing pension arrangements, and tax position to identify all available strategies and quantify their impact.
3
Strategic Recommendation
A clear, written financial plan presented in plain language — with full modelling of every scenario and an honest assessment of risk and return.
4
Ongoing Partnership
Annual reviews, proactive tax planning as legislation changes, and a dedicated adviser who understands your business as it grows and evolves.
Client Perspectives

Business owners who planned ahead

"Within three months we had restructured our remuneration strategy. The tax saving in year one covered the advisory fee ten times over. It was genuinely eye-opening."
JM
James M.
Director, Technology Consultancy · Surrey
"We used our SSAS to purchase our commercial premises. The pension now holds the property, we pay rent into the pension, and the tax advantages are substantial."
SR
Sarah R.
Managing Director, Professional Services · Berkshire
"Selling the business after five years of structured pre-exit pension planning meant we were in a fundamentally different financial position than if we'd just focused on the sale."
DH
David H.
Former Owner, Manufacturing SME · Buckinghamshire
Book Your Consultation

Begin with a straightforward
conversation

Our initial consultation is confidential, obligation-free, and focused entirely on understanding your situation. Most business owners leave with two or three concrete ideas they hadn't considered.

45-minute consultation with a Chartered Financial Planner
Review of your current corporation tax position
Identification of pension contribution and tax relief opportunities
Summary of recommended next steps — sent after the meeting
No upfront charge for the initial consultation
Request a Consultation
Complete the form and we will be in touch within one business day.
Enquiry Assessment
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Your information is held in strict confidence. We do not share your details with third parties. By submitting this form you agree to be contacted regarding your enquiry.