Consultation
Tax-Efficient Savings Guidance
Structure ISA, pension, and allowance use so more of each pound stays working for you.
Who it is for
Higher-rate taxpayers and dual-income households approaching allowance limits.
What you receive
A year-by-year savings allocation plan across pensions, ISAs, and taxable accounts.
Preparation
Have P60 or recent payslips, pension contribution totals, and ISA balances ready.
Constraints
Guidance is general tax planning advice; complex company structures may need an accountant.
Included
- Allowance calendar for the current tax year
- Pension contribution modelling for tax relief
- ISA and spouse/civil partner allowance notes
- Written allocation checklist
Not included
- HMRC correspondence or tax dispute work
- Company payroll setup
How this engagement proceeds
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1
Income map
We confirm taxable income, reliefs already used, and unused allowances.
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2
Allocation
We propose a sequence for pension, ISA, and taxable saving.
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3
Checklist
You leave with dates and amounts for the remainder of the tax year.