Company Pensions
Tax-efficient pension planning for limited company owners and directors, from employer contributions to self-invested and small self-administered schemes.
If you run your own limited company, your pension is one of the most tax-efficient ways to take money out of the business and build wealth for the future. Employer pension contributions are normally an allowable business expense, so they can reduce your corporation tax bill while moving profit into your own name.
Unlike salary or dividends, contributions paid by the company are not subject to income tax or National Insurance when they go in. For many directors that makes a company pension contribution a more efficient way to reward themselves than taking the equivalent as pay.
We advise on the schemes best suited to business owners, including self-invested personal pensions and small self-administered schemes, which can offer greater control and, in some cases, the ability to invest in commercial property used by your business.
Who it’s for
- You are a director or owner of a limited company.
- You are taking profit as salary and dividends but paying little into a pension.
- You want to reduce your corporation tax bill in a legitimate way.
- You would like more control over how your pension is invested.
Practical support with your company pensions.
We make your contributions tax-efficient
We help you set the right level of employer contribution, so you make the most of the corporation tax and National Insurance advantages without breaching your allowances.
We choose the right type of scheme
We explain personal pensions, self-invested personal pensions (SIPPs) and small self-administered schemes (SSAS), and recommend the structure that fits how you run your business.
We consider commercial property
A SIPP or SSAS can, in the right circumstances, hold the commercial premises your business trades from, with rent paid into your pension. We explain whether this could work for you.
We keep it within your allowances
We help you stay within the annual allowance, carry forward unused allowance from previous years where available, and avoid unexpected tax charges.
A pension is a long-term investment and the fund value may fluctuate and can go down. The tax treatment of pension contributions depends on individual circumstances and may change. The Financial Conduct Authority does not regulate some forms of tax planning. Some pension investments, such as commercial property, may be less readily realisable.
Questions, answered plainly.
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Let's start with a conversation.
Your first meeting is free and without obligation. We'll listen, answer your questions, and tell you honestly whether and how we can help.