Individuals
Tax Planning for High Earners
Strategic advice to minimise tax legally and efficiently
Overview
High earners face complex tax challenges: higher income tax rates, child benefit restrictions, investment income complications, and scrutiny from HMRC.
We help high earners - executives, business owners, professionals - structure their income efficiently and claim all available reliefs. Our advice is commercial, pragmatic, and compliant. We don't push aggressive schemes; instead, we use legitimate, well-established planning strategies.
Key Areas Covered
What we cover as part of this service.
- Income structuring (salary, dividends, bonus timing)
- Pension planning and tax-efficient contributions
- Child benefit charge mitigation
- Investment income optimisation
- Trust planning for family wealth
- ISAs and investment wrappers
- Business expense optimisation
- Strategic gifting and IHT planning
Common Issues We Solve
Problems we see regularly — and how we fix them.
High Income Child Benefit Charge
High earners lose child benefit at higher marginal rates. Structure can reduce this liability.
Inefficient Income Mix
Many high earners pay more tax than necessary through inefficient salary/dividend split or missed relief claims.
Missing Opportunities
Higher earners often forget to claim investment losses, make optimal pension contributions, or plan lifetime gifting. Early involvement captures these opportunities.
Pricing for This Service
Clear fees. Fixed fee confirmed in writing before we begin.
Private Clients
£700
Best for: High earners needing strategic planning and relief optimisation
Get Your Fixed QuoteBespoke planning may involve a separate advisory engagement.
Frequently Asked Questions
Sometimes. From 2024/25 onwards, the High Income Child Benefit Charge applies where the higher earner's adjusted net income exceeds £60,000 and fully claws back Child Benefit at £80,000 or more. Pension contributions, gift aid and wider income planning may reduce adjusted net income, but the position should be reviewed carefully.
Depends on your personal circumstances, company position, and broader tax strategy. We model scenarios to find your optimal structure.
The standard annual allowance is £60,000, subject to relevant earnings, tapering for high earners and the money purchase annual allowance where applicable. Pension planning can be valuable, but the limits need to be checked against your circumstances.
Depends on your investment strategy, time horizon, and likely tax bracket. We advise based on your personal position.
Why Choose UA Tax
Comprehensive Strategy
We look at your full picture (income, family situation, investments, property) to optimise your overall tax position.
Compliant Approach
All strategies are well-established and defensible. No aggressive schemes.
Ongoing Support
Tax changes annually. We review and adjust your planning as circumstances evolve.
Ready to discuss your tax planning?
Book a consultation and we will confirm what you need and provide a fixed fee quote.