What does the LBTP process involve?
The process begins with a discovery call, in which TLPI gathers detailed information about your company, personal income, family situation, existing pensions, and goals. From there, we produce a written tax planning report setting out the strategies available to you, the tax savings each would generate, and the implementation steps. You review and approve the plan before anything is implemented.
How long does an LBTP take to implement?
The time required to implement an LBTP varies from case to case, as it depends on your individual circumstances and the specific strategies involved. Some elements may be able to be put in place sooner, while others are planned across future tax years as part of a longer-term approach. TLPI will guide you through the process and keep you informed at each stage.
Who is the LBTP designed for?
The LBTP is designed for UK business directors who are paying higher-rate or additional-rate tax, have been in business for at least a few years, and want a structured, proactive approach to managing their tax position.
What tax savings can I expect?
This varies significantly depending on your profit level, income, family circumstances, and time horizon. TLPI does not quote savings figures before reviewing your position - any number given without that context would be misleading. What we can say is that directors who implement a full LBTP typically see material, measurable tax reductions across multiple heads of tax over time.
Is the LBTP a tax avoidance scheme?
No. The LBTP uses only established, HMRC-compliant structures and mainstream tax legislation - including pension reliefs, Corporation Tax deductions, and well-established planning vehicles such as SSAS and FIC.
Will TLPI work directly with my accountant?
Yes. TLPI works alongside existing accountants regularly. We handle the strategic tax planning layer; your accountant handles day-to-day compliance and filing. We are happy to share the planning report and liaise with your accountant to make sure all elements are co-ordinated and there are no conflicts.
Does the LBTP include ongoing support?
Yes. TLPI provides ongoing administration and review as part of the relationship - particularly for SSAS and FIC elements that require annual monitoring. We also review your plan when your circumstances change, such as on a business sale, a change in profit levels, or a family event.
Is the LBTP regulated?
The LBTP is a planning framework rather than a regulated financial product. Holtram TLPI Ltd is registered with HMRC to form trusts, companies and to administer pensions, and does not provide financial advice. Where the LBTP includes pension planning (such as setting up an SSAS), TLPI acts as SSAS Administrator, a role regulated by HMRC. Where regulated investment advice is needed, TLPI will refer you to an independent financial adviser.
Does the LBTP include a SSAS?
Yes. The LBTP brings together a SSAS and a Family Investment Company into a single integrated planning structure. Rather than setting them up independently, the LBTP is designed so that both work together to maximise your tax efficiency — covering both pension planning and long-term wealth management in one coordinated arrangement. Find out more →
Is there a minimum level of income or assets needed to benefit from the LBTP?
The LBTP combines a SSAS and a FIC, so the viability of each element depends on your current position. For the FIC element to make sense, there needs to be a meaningful level of retained profit or cash within your company that you are looking to hold and grow tax-efficiently. For the SSAS element, you need sufficient pension planning capacity — whether through existing contributions, a pension pot worth consolidating, or both. Neither has a statutory minimum, but TLPI will be straightforward with you about whether the numbers stack up. Book a consultation →
What happens if I change accountants after setting up an LBTP?
The LBTP is designed to work alongside your existing accounting arrangements, so changing accountants should not affect it. TLPI works with your accountant, not instead of them, and we are happy to liaise with a new practice to ensure continuity. Get in touch →
How much does the LBTP cost?
Rather than publish a standard fee that may not reflect your circumstances, we would rather speak with you first and give you a clear and transparent quote. Book a consultation →