tax efficient remuneration
Tax Efficient Remuneration for Business Owners & Directors
Legally reduce tax on your income, dividends, and pension contributions.
£ 30M+
Tax Saved Through Remuneration Strategies
200+
Owners and Directors Optimised
+40%
Boost in Take-Home Income
We’ve Helped
Directors & Entrepreneurs Keep More of What They Earn
Catesby IC Property Ltd
Industry: Education & Office
£3,200,000
Total Cost
£498,391
Capital Allowances Identified
What is Tax Efficient Remuneration?
Tax-efficient remuneration refers to structuring your income as a business owner or director in a way that reduces overall tax liabilities.
This includes:
- Balancing low salary with dividends
- Contributing to pensions
- Using available allowances
- Leveraging tax-friendly benefits.
The goal? More income in your pocket, less paid to HMRC.
How Can
Tax Efficient Remuneration Maximise Your Income
Metrics
Scenario A:
With Tax-Efficient Remuneration
Scenario B:
Without Tax-Efficient Remuneration
Salary
£12,570 (within tax-free personal allowance)
£82,570 (entire amount as salary)
Dividends
£50,000 (lower tax rate, no NICs)
Not used
Pension Contributions
£20,000 (company deductible, grows tax-free)
Not utilised
Benefits in Kind (e.g., EV car, phone)
£3,000 (tax-efficient perks)
Not utilised
National Insurance Contributions
Minimal or none
Full NICs due on salary
Tax Efficiency
Income split across low-tax channels
Full income taxed at higher salary rates
Outcome
Higher net income, maximised allowances & reliefs
Higher tax bill, missed opportunities
By combining dividends, salary, pension, and benefits you could save thousands in tax each year, while staying fully compliant.
Do You Qualify for Tax Efficient Remuneration?
If you’re a business owner, director, consultant, or self-employed professional with control over how you’re paid, you likely qualify.
You can benefit if:
- You own a limited company
- You earn over £50,000 per year
- You want to reduce tax without triggering HMRC scrutiny
- You’re looking to increase long-term wealth through pension and asset planning
Dan Cruickshank
Property & Personal Tax Planning Expert
Why Use a Specialist?
But Can’t I Just Pay Myself Dividends and Call It a Day?
Many people think so until HMRC comes knocking. Tax Efficient remuneration requires careful planning and compliance.
Here’s why working with a specialist is key:
- Tailored to You: No two income setups are alike. We plan around your goals, liabilities, and family structure.
- Stay Compliant: HMRC keeps a close eye on director payments — we make sure you’re covered.
- Optimise Everything: We coordinate your salary, dividends, pension, benefits, and allowances for max efficiency.
- Avoid Pitfalls: Don’t fall into disguised remuneration traps or overdrawn director’s loans.
Receive a FREE Remuneration Guide worth £197 upon completion
hear from
Our Clients
FAQs
Frequently Asked Questions