“Most business owners focus on growing their company but neglect the tax-efficient wealth planning that should run alongside it. A structured pension and wealth review ensures your profits work just as hard for your future as they do for your business today.”
Quote by Nigel Holland BA (Hons)
Pension and Wealth Reviews for Business Owners
Most SME owners focus on the business first and pension planning later.
That often leads to two problems: underfunded retirement plans and missed tax-efficient opportunities that could have been built in over years.
Our Pension and Wealth Reviews are designed for directors and business owners who want a clear plan to build personal wealth, reduce tax, and use pensions strategically alongside the business.
Who this is for
This is particularly relevant if you are:
A company director taking dividends and a small salary
Profitable but holding surplus cash in the company
Unsure whether pension contributions are being used effectively
Thinking about buying business premises or investing for the future
Concerned about retirement timing and lifestyle
Wanting to reduce inheritance tax exposure over time
Looking for a joined-up plan (company profits, personal tax, pensions, and family planning)
What you get from a Pension and Wealth Review
A clear, practical plan, in plain English, covering:
How much you can contribute and the tax relief available
Whether a SIPP or SSAS is suitable for your circumstances
How to align pension planning with company profits and cashflow
How to extract profits tax-efficiently now while still building long-term wealth
How pensions fit into wider estate and inheritance planning
A next-steps action plan you can implement immediately
Our Pension and Wealth Reviews
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SIPP suitability and contribution planning review
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A Self-Invested Personal Pension (SIPP) can be one of the simplest and most effective tax planning tools available to directors and higher earners.
We review whether a SIPP is suitable for you and design a contribution plan that fits your business profits and personal goals.
What we cover:
Current pension position and contribution history
Annual allowance planning and carry forward opportunities (where available)
Employer vs personal contributions and which is most efficient
Interaction with dividend strategy and salary planning
Investment approach guidance at a high level (risk, diversification, time horizon)
Practical contribution timetable for the next 12 months
Outcome: a contribution strategy designed to reduce tax and build retirement wealth without damaging business cashflow.
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SSAS feasibility review for directors
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A Small Self-Administered Scheme (SSAS) is a powerful tool for the right business owner, but it needs to be structured correctly and used safely.
A SSAS can, in the right circumstances, allow:
Investment into commercial property (including business premises)
Loans back to the sponsoring employer (within strict rules)
More control over pension assets than many mainstream arrangements
What we cover:
Suitability assessment (who SSAS is and is not for)
Commercial property opportunities and rent flows into the pension
Business loan feasibility and compliance considerations
Trustee responsibilities and governance requirements
Set-up costs and ongoing admin considerations
Comparison of SSAS vs SIPP for your situation
Outcome: a clear “go / no-go” decision and, if suitable, a structured plan showing how a SSAS could support both retirement and business strategy.
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Pension extraction strategy review
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Many directors ask the same question:
How do I get money out of the company in the most tax-efficient way?
Pension contributions are often the missing piece.
We map your available profit extraction routes and show how pensions can reduce corporation tax, improve long-term wealth, and smooth income planning.
What we cover:
Salary, dividends, benefits, and pension contributions compared side-by-side
Employer pension funding strategy aligned to profits
Timing and cashflow planning for contributions
Planning around thresholds that impact tax rates and allowances
Practical extraction plan for the remainder of the year and next tax year
Outcome: a profit extraction strategy that balances lifestyle today with wealth tomorrow, while keeping tax leakage under control.
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Retirement readiness review for business owners
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Business owners often have strong business value but weaker personal planning.
This review answers: “Am I actually on track to retire when I want to, and what needs to change?”
What we cover:
Your target retirement age and target income
Estimated pension gap analysis (what you have vs what you need)
Contribution plan to close the gap
Business sale or exit assumptions and how they affect retirement
Contingency planning if the business doesn’t sell for the figure expected
A timetable of actions over 12, 24 and 36 months
Outcome: a realistic retirement roadmap that does not rely on hope, and reduces your dependence on a single exit event.
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Profit extraction and inheritance tax planning review
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Pensions are often one of the most effective long-term inheritance planning tools because, in many cases, pension assets can sit outside the estate for inheritance tax purposes.
For business owners building wealth, this can be a major advantage.
What we cover:
Using pensions as part of family wealth planning
Nomination and beneficiary planning
Balancing pension funding with other investments and property
Profit extraction planning that reduces tax now and builds estate efficiency over time
Practical plan to align business strategy, retirement and family objectives
Outcome: a joined-up plan that builds wealth in a tax-efficient way and improves long-term family outcomes.
Why this matters for SME owners
In practice, many directors are under-pensioned because:
They prioritise reinvesting into the business
They assume the business sale will fund retirement
They don’t realise how tax-efficient employer pension contributions can be
They have heard of SSAS and SIPP but don’t understand when they are useful
The result is avoidable tax, poor long-term planning, and too much reliance on the eventual business exit.
How the process works
Step 1: Discovery and data gathering
We request the key information (accounts, salary/dividend details, existing pension position, and your goals).
Step 2: Review and modelling
We analyse allowances, contribution routes, extraction options, and SSAS/SIPP suitability.
Step 3: Report and action plan
You receive a clear written plan with recommendations and a priority checklist.
Step 4: Implementation support
If you want us to, we can support implementation and ongoing planning through a monthly advisory package.
Call to action
If you are a director or business owner and want to reduce tax, build wealth, and stop leaving pension planning to chance, book a Pension and Wealth Review.
Contact us to arrange an initial discussion.
