Tax Efficient Benefits
Beyond salary and dividends, there are numerous tax-advantaged benefits, allowances, and planning strategies that individuals can use to reduce their overall tax burden. From ISAs and venture capital investments to pension contributions and employment benefits, we identify and structure every opportunity available to you.
What are the benefits?
ISA and Junior ISA Planning
ISA contributions (£20,000 per year) grow free of Income Tax and CGT. Systematic use of ISA allowances over time can create significant tax-free investment portfolios. We incorporate ISA planning into your overall tax strategy.
Venture Capital Trusts
VCT investments provide 30% Income Tax relief on investments up to £200,000, with tax-free dividends and CGT-free disposals. We advise on VCT investments as part of a broader tax mitigation strategy.
Employment Benefits
Certain employer-provided benefits — electric company cars, cycle to work schemes, childcare vouchers, and private medical insurance — can be more tax-efficient than equivalent cash salary. We advise on how to structure your remuneration to maximise use of tax-free benefits.
Personal Allowance and Rate Band Management
We advise on strategies to prevent personal allowance withdrawal (relevant where income approaches £100,000) and to manage taxable income to avoid moving into higher rate bands unnecessarily.
How can Zenus Tax help?
We prepare a holistic personal tax review identifying all available allowances and reliefs
We advise on the most tax-efficient mix of salary, dividends, pension contributions, and benefits
We advise on VCT and EIS/SEIS investments where appropriate
We ensure your Self Assessment return correctly claims all available allowances
Frequently Asked Questions
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