Pension Planning and Profit Extraction

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Effective tax planning is essential to running your own business.   Pension planning is a complex area that requires careful consideration and sound professional advice.   Our advisers have significant experience in commercial pension planning and can guide you through the complexities so that you can take advantage of some of the excellent opportunities that exist.   For example, done properly your corporate pension planning should be providing you with the following opportunities:

  • A means of paying some or all of your company's profits into the most tax efficient form of investment available, over which you always retain control.
  • The ability to reduce or even eliminate your company's corporation tax liability.
  • An investment vehicle providing you with the ability to:
    1. Make loans to your company
    2. Purchase shares in your company
    3. Purchase commercial property which can be leased back to your company
  • An investment vehicle that will be used to provide benefits to you and your family, including a tax free cash lump sum.

It is a complicated area and it's very important to consider all of the options to ensure that the route you choose is right for your business.   That's why we need to review your business in depth and produce recommendations which we consider are most suitable to your needs.

Tax treatment varies according to individual circumstances and is subject to change.