Directors, reduce your Corporation Tax liability by 50% GUARANTEED

Our Tax-Relief Solutions

aaa

SSAS Pension Plans

Small Self-Administered Scheme

A flexible pension trust that gives you control, tax efficiency, and funding options for your business.

Learn More

4

Investment Plans

Family Investment Company

A company structure designed to grow family wealth, protect assets, and build long-term investment portfolios.

Learn More

3

Tax Plans

Lifetime Business Tax Plan

A strategic tax framework that reduces liabilities, safeguards assets, and supports sustainable business growth.

Learn More

Our Services

Artboard 10
SSAS Pensions

Property SSAS Pension advice...

Find out more

Artboard 11
Family Investment Company

Protecting family wealth...

Find out more

Artboard 12
Commercial Property

Managing all the financial risks...

Find out more

Artboard 13
Property Loans

We help our clients discover...

Find out more

FAQs

What are Lifetime Business Tax Plans?

A Lifetime Business Tax Plan is a packaged solution, exclusively for company directors, that enables them to solve multiple problems for their business and offers tools to:

  • Solve the immediate threat of a 40% tax penalty on surplus company cash
  • Transfer in company and pension cash to create significant liquidity
  • Protect family wealth and assets
  • Secure inheritance of company shares
  • Achieve wider investment choices in a low to zero tax plan
  • Create lifetime and beyond tax and inheritance strategies
  • Fund your business
  • Create succession plans
  • Grow the retirement fund
  • Invest in property

Lifetime Business Tax Plans encompass two major components; the Family Investment Company and the Small Self-Administered Scheme (SSAS). These exclusive tax mitigation plans also allow directors to transfer in former work pensions that are frozen or unmanaged. The transfer of company cash and former pension cash into one plan can create significant liquidity, providing wide investment choice in a low to zero tax plan.

Do HMRC recognise Lifetime Business Tax Plans?

Yes, because legislation has created the components.

  • The Family Investment Company is recognised by HMRC as a standard way of preserving family assets for future generations whilst mitigating any tax.
  • A company tax-exempt savings account, technically known as a SSAS (Small Self-Administered Scheme), is also recognised by HMRC as a standard form of investment savings vehicle for a company.

Both of these essential components of the Lifetime Business Tax Plan need to be registered with HMRC and annual compliance reporting is required to notify them of the assets held and the returns generated, albeit no tax will be due.

What is a Family Investment Company?

Recognised by HMRC, a Family Investment Company is a standard way of preserving family assets for future generations whilst mitigating any tax. As a special type of subsidiary or standalone company, this gives you the power to invest your company profits and surplus cash in property, stocks, and/or many other asset classes. An Family Investment Company has a high street bank account, similar to your current business account, and from this account you then control how the money is invested.

What is Business Property Relief?

Put simply, Business Property Relief is a tax relief for business owners, relating to assets such as business premises, shares, machinery, other property and more. This relief is in place to reduce the amount of inheritance tax due on business assets. Like anything tax related, there are complications and rules, dependent upon your individual business and situation. Complex understanding is required but with the right support, this can be taken advantage of, and other strategies and tools can be used in alignment with this understanding. By claiming business property relief, you are essentially reducing the value of the assets for inheritance purposes in line with HMRC rules.

What is the difference between a trading company and an investment company?

The difference between a trading company and an investment company is fairly straightforward in the eyes of HMRC. A trading company must not use its surplus cash for investment purposes whereas the business of a trading company consists of income made, mostly in making investments. To determine whether your company is a trading company or an investment company, you can apply a series of 20% tests. The tests determine whether the cash held within your company represents more than 20% of the balance sheet, or more than 20% of the turnover or even the profit. HMRC have been known to win first tier tax tribunals as a result of the directors investing more than 20% of their time managing investments. An example of this could be where a director has a share dealing account and spends much of their time managing this rather than focussing on the trade of the company. You can read more in our guide

What is the 20% rule in relation to Business Property Relief?

The 20% rule is a good way of assessing the point at which HMRC will determine your company is a trading company or an investment company.

• Less than 20% of your trading company’s income will come from investment activities,

• Less than 20% of your company’s expenses will relate to investment activities,

• Your role within the company is such that no more than 20% of your time is spent on investment activities

• Investment of less than 20% of assets may take place

The 20% rule is explained further in our free guide to the Lifetime Business Tax Plan – download link 

What constitutes surplus company cash?

Surplus company cash is the amount of cash held by your company that exceeds the amount that is required for day-to-day trading operations of your company. It is extremely important to constantly evaluate surplus company cash and how you use it as if used in an investment capacity or even if just held dormant, it is subject to HMRC tax liabilities.

What can a Lifetime Business Tax Plan invest in?

A Lifetime Business Tax plan can invest in a wide variety of asset classes, including:

And much, much more

View all

SSAS-Pension-Success
The-Family-Investment-Company
Lifetime-Business-Tax-Plans
Beginners-Guide-to-SSAS-Pensions

Why not learn more from one of our free guides?

Find the right guide for you

calendar

Unlocking solutions

Discover your financial potential with a no-obligation tax-planning, investment strategy and wealth protection consultation.

Book a call at a time to suit you

5 stars

We get 5 stars from our Clients.

Business owners consistently rate us for our expertise, clarity, and genuinely supportive service.