Tax Planning for Business Owners
Helping you keep more of what you earn, without creating future problems.
Independent
Chartered
Award-Winning
Established
in Yorkshire
Tax Planning Is a Commercial Discipline
For established business owners, tax isn’t something that happens once a year. It shapes how profits are extracted, how cash is retained, how investments are funded and how control is maintained within the business.
Unlike salaried employees, owners must make ongoing decisions around dividends, salary levels, retained profits, pension contributions and share structures, all of which affect personal liquidity and long-term flexibility.
In our experience, the risk isn’t usually paying too much tax. It’s making short-term decisions without considering how they affect control, cashflow and future optionality.
Tax Planning for Business Owners is about deliberately structuring those decisions, with clarity about both immediate efficiency and longer-term consequences.
A Coordinated Tax Strategy, Not Just Annual Advice
At IFP, tax planning is not about chasing allowances in isolation. It’s about aligning your remuneration and profit extraction strategy with the wider objectives of your business and personal wealth.
As Independent Chartered Financial Planners working with business owners across Yorkshire, we ensure tax decisions are coordinated rather than reactive and can help with:
Profit extraction strategy
Pension funding
Investment positioning
Capital gains planning
Business exit considerations
What Structured Tax Planning Delivers
Control Over Profit Extraction
Clarity on how and when profits are taken and why.
Improved Cashflow Discipline
Confidence that personal and business liquidity are structured intentionally.
Greater Financial Flexibility
Maintain options rather than narrowing them through reactive decisions.
Confidence in Ongoing Decisions
Make commercial choices knowing the personal tax implications have been considered.
Our Approach To Tax Planning For Business Owners
Reviewing Your Current Structure
We examine how profits are currently extracted and how ownership and remuneration are arranged.
Assessing Strategic Alignment
We consider whether your current approach supports your broader financial objectives.
Coordinating Implementation
We collaborate with your accountant to ensure technical execution aligns with the agreed strategy.
Ongoing
Refinement
As tax legislation and business performance evolve, your strategy evolves with it.
Tax Decisions Shape More Than This Year’s Bill
Make sure they support your wider financial strategy.
Why Business Owners Trust IFP With Tax Planning
Commercially Grounded Advice
We understand owner-managed businesses and the pressures that come with them.
Measured Approach
We prioritise sustainable efficiency over aggressive tactics that may create future constraints.
Independent Perspective
Our advice is not driven by product or scheme recommendations.
Joined-Up Thinking
Tax decisions are considered within the wider context of your personal and business finances.
Who We Typically Work With
Most of the business owners we advise have built profitable, established companies and accumulated £500,000 or more in investable assets. However, we also work with a number of individuals below this, from £150,000+, who are looking to plan ahead and build wealth.
At that stage, tax planning tends to move beyond allowances and year-end adjustments. Decisions begin to influence cash flow, capital accumulation and long-term flexibility in more meaningful ways.
Our role is to bring structure and perspective to those decisions, ensuring they’re considered within the context of your wider financial position, not just the current tax year.
What Our Clients Think About Us
Reviews
Planning for retirement
“The team at IFP have been looking after our pension and investments for quite a number of years now. Always very friendly and professional and we feel it is easy to ask questions, which are answered in a way we can understand. Would highly recommend them.”
Carol G
Most professional company I’ve dealt with
“In all of my 59 years they took the time to find out what my needs were & fulfilled all my wishes. If I could give 10 stars I would.”
Michael K
The whole process was very easy
“It wasn’t made complicated and every single step was explained to me. A representative from Informed Financial Planning came to my house, I didn’t feel pressured and I could back out at any time.”
Dawn T
News & Articles
Our Blog
Blogs
April 24, 2026
Inside IFP: A Coffee With… Lauren T
Welcome to Inside IFP, the series where I sit down with the team over a cuppa to share what it’s…
Blogs
April 10, 2026
Inside IFP: A Coffee With… Me!
Ever wondered what really goes on behind the scenes at Informed Financial Planning? Welcome to the series that will give…
Blogs
April 9, 2026
What Changes When Tax Planning Is Considered Early
Effective tax planning isn’t just something that happens at year-end. It’s most valuable when decisions are still flexible. As financial…
Plan Tax With Clarity
If you want clarity over how profits are structured and how tax decisions affect your wider wealth, let’s review your position properly.