Take the guesswork out of how you pay yourself.

If you’re a director or owner-manager, the way you extract money from your company can significantly affect your take-home pay, your tax position, and your business cash flow.

Our Dividend & Remuneration Strategy Review gives you a clear, compliant plan for salary, dividends and pensions, tailored to your profits and your personal circumstances.

Key outcomes

1. 1. Optimise take-home pay
      Balance salary, dividends and pension contributions to suit your profit level and goals.

   2. Reduce avoidable tax
      Structure income sensibly, using allowances and tax bands effectively.

   3. Improve predictability
      A clear plan means fewer surprises and smoother cash flow for both you and the business.

What’s included

1. 1. Optimal salary and dividend mix

We will review your current approach and provide a recommended salary level and dividend strategy based on your projected profits and personal needs.

You will receive:

• A practical salary recommendation (how much and how often)
• Guidance on dividend frequency and amounts
• Notes on the correct process and paperwork to keep everything properly documented

1. 2. Pension contribution strategy

Company pension contributions can be a highly tax-efficient way to extract value, particularly where profits are strong and you want longer-term planning built in.

You will receive:

• Recommendations on whether pension contributions fit your objectives
• Guidance on timing and affordability
• Alignment with your wider remuneration plan

1. 3. Spousal share planning

Where appropriate, we review whether your share structure supports flexible and tax-efficient dividend planning within the family.

You will receive:

• A review of your current share position and dividend flexibility
• Planning to make sensible use of allowances and tax bands (where applicable)
• A clear explanation of what would be required to implement any changes properly

1. 4. Family income extraction planning

If you have family commitments or major planned outgoings (mortgage, school fees, house move, one-off purchases), your extraction strategy needs to be planned, not improvised.

You will receive:

• A plan that balances personal income needs with business stability
• Guidance on retained profits versus planned withdrawals
• A forward-looking approach to minimise risk and stress

Deliverables

You will receive a clear written action plan that sets out:

• Recommended salary level
• Recommended dividend strategy
• Pension contribution approach
• Any suggested structural considerations (where relevant)
• Next steps and implementation notes

Who this is for

This service is ideal for:

• Directors currently taking money out “as and when” without a plan
• Companies with profits building up and no extraction strategy
• New limited companies after incorporation
• Owner-managed businesses planning for growth, mortgages or large purchases
• Family businesses wanting a more efficient structure

Common triggers

You will benefit if:

• You’re unsure whether to increase salary or dividends
• You want to use pension contributions more effectively
• Your spouse is involved (or could be) and you want the structure right
• You want fewer surprises and more predictability

How the review works

Step 1: Information gathering
We collect the key facts: expected profits, current salary/dividends, pension arrangements, and what you want to achieve personally and commercially.

Step 2: Strategy and modelling
We model the options and design a practical, tax-efficient plan.

Step 3: Written action plan
You receive a clear plan you can follow, plus optional support if you want us to help implement it.

Call to action

Book your Dividend & Remuneration Strategy Review

If you want a clear plan for salary, dividends and pensions that you can follow with confidence, book a review and we’ll take you through the options.

Contact Holland & Co Chartered Accountants
102 Widnes Rd, Widnes, Cheshire, WA8 6AX
Telephone: 0151 420 6666
Email: nigel@hollandandcompany.co.uk

FAQs

Is this only for limited companies?
This review is primarily designed for limited companies paying directors via salary and dividends. If you’re a sole trader considering incorporation, we can review structure first and then build the extraction plan.

Will you tell me exactly what to pay and when?
Yes. You will receive a practical, written plan showing a recommended approach for salary, dividends and pension contributions, plus the steps to implement it properly.

Can you help implement the plan?
Yes. Implementation support is available if you want us to handle the practical steps and keep everything compliant.

What information do you need?
Typically: recent accounts or management figures, expected profits, current salary/dividends, pension arrangements, and a brief overview of your personal and family income needs.

Note
Tax outcomes depend on individual circumstances and legislation at the time. Recommendations are based on the information provided and the rules in force when the review is completed.