Tax Life
Say goodbye to chasing profits! With our life-long service, we help transform your business into the perfect vehicle for generating household wealth. Through our unique approach to business strategy, management accounting, wealth extraction and risk mitigation; we have seen our clients enjoy an average of £8,300 worth of tax savings and wealth generation, every year.
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Book with us today for a FREE consultation.
"It is better to own a million-pound household than a million-pound business!"
In the relentless race of owning your own business, it's all too common to find yourself caught in a cycle of chasing profits. Day in and day out, you devote your time and energy to the pursuit of business success, often at the expense of your personal ambitions and household responsibilities.
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Adding to the stress, as of April 2023, the corporate tax rate has increased from 19% to 25% dependent on your company's profits. This raises an important question: Is it worthwhile chasing profits if they only result in higher tax obligations?
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Tax Life is our flagship service that transforms your approach to both work and life. Instead of an endless pursuit for profits, with Tax Life, we transform your company into a vehicle that increases your personal wealth.
What is Tax Life?
Whether your business is starting, growing, expanding, shrinking, struggling or in succession; Tax Life offers a unique strategy that combines to reduce your taxes and maximise your household wealth.
PROFIT TARGETING
Rather than aimlessly chase the money, our strategy starts by helping you target your profits. A targeted profit is one that is high enough to ensure your business remains sucessful and credit worthy but low enough so as to minimise tax liabilities to the lowest corporation tax rates.
BUSINESS EFFICIENCY
With a profit target set, we first work to increase your business profits by optimising your company. Using a number of approaches from building your core competencies, identifying market trends, streamlining processes and reducing costs/overheads, we help turn your company into a sustainable, scalable and successful business.
(Visit our sister site for more details on such work - click here)
WEALTH EXTRACTION
Higher profits means higher taxes. Our next step is to utilise a number of financial and tax incentives to extract wealth from your company to your household. Such extractions lowers your company's profits to its target profit therefore lowering your taxes whilst increasing your household wealth. This is carefully done in line with your short and long-term business goals, personal ambitions and household responsibilities.
RISK MANAGEMENT
Great plans can quickly turn sour due to changes in your personal circumstances, business performance, market conditions or government legislations. This is why we also develop contingency plans to reduce the risk that such changes adversely impact our strategies.
Who is Tax Life for
Tax Life was developed to help all business owners optimise their household and business goals, achieve greater financial independence and promote opportunities to pursue personal ambitions. In this sense, Tax Life is for everyone. However, the more a business owner matches with the following criteria, the greater they will experience the benefits of Tax Life: •Higher rate tax payer •Married •Have dependent children •Company is earning more than £50K profits. •Own multiple businesses •Own a freehold or leasehold company premises •Home owner or holder of a tenancy agreement •Have large savings •Interested in investment opportunities •Ambitions to open a new/second business •Plans to retire early •Have foreign income or investments •Acceptance of interest as income •Engages in philanthropy and charitable giving In one case, a client matched all of the criteria and now enjoys an extra £72,000, every year, from tax savings and wealth generation from his company and household combined.
Building a Roadmap Together
At Tax Life, we believe in a personalised approach to client service. We understand that each household has unique goals, ambitions, and responsibilities, which require customised strategies. Our commitment is to understand your needs and deliver tailored solutions that align with their individual circumstances over the next 30 years. Here's how we ensure a client-centric approach: 1. COMPREHENSIVE INITIAL CONSULTATION We begin by conducting a comprehensive initial consultation where we take the time to listen and understand your specific goals, ambitions, and family responsibilities. We delve deep into your financial situation, business objectives, and personal aspirations to gain a holistic view of your needs. 2. THOROUGH ANALYSIS AND ASSESSMENT Based on the information gathered during the consultation, our team of experts conducts a thorough analysis and assessment of your financial landscape. We consider factors such as your current wealth position, business structure, tax obligations, and future plans to identify areas of opportunity and potential challenges. This allows us to work with you in setting your 'Targeted Profit'. 3. COLLABORATIVE STRATEGY DEVELOPMENT We believe in involving our clients in the strategy development process. We work closely with you to co-create comprehensive and tailored plans that align with your goals, ambitions, and household responsibilities. 4. REGULAR REVIEWS AND UPDATES As your circumstances evolve, we understand the importance of staying proactive and adaptive. We conduct regular reviews of your financial situation, business performance, and personal goals to ensure that our strategies remain aligned with your changing needs. We keep you informed about relevant updates in tax laws and regulations that may impact your wealth extraction strategies. 5. FLEXIBLE AND EVOLVING SOLUTIONS We recognise that life is dynamic, and your goals may evolve over time. Our client-centric approach allows us to be flexible and adaptive, adjusting our strategies as needed to meet your changing circumstances. Whether you experience significant business growth, changes in your family structure, or shifts in your long-term objectives, we are committed to providing solutions that align with your unique situation. 6. HOLISTIC WEALTH MANAGEMENT Our client-centric approach extends beyond tax planning. We take a holistic view of your wealth management, considering factors such as investments, retirement planning, and estate planning. By integrating these aspects into our strategies, we ensure that your financial goals are interconnected and effectively addressed. 7. ONGOING SUPPORT AND COMMUNICATION We value strong client relationships and prioritise open and transparent communication. Our team is readily available to address your questions, provide guidance, and offer ongoing support as you navigate your wealth extraction journey. We strive to keep you informed and empowered, making sure you feel confident and in control of your financial decisions.
Transforming your Accounting Experience
Tired of being let down by your current accountant? We understand your frustrations which is why Tax Life comes with the full suite of accountancy services including Annual Returns, VAT, RTI (Real-Time Information), Work-based Pensions, Dividends, BIK and Confirmation Statements. At IJB Strategia, we are committed to providing a refreshing approach that focuses on your financial well-being and delivers the results you deserve. Here's how we seek to change the accounting game: PROACTIVE TAX PLANNING VS. REACTIVE APPROACHES Unlike many accountants who wait until the end of the year to discuss your taxes, we believe in proactive tax planning. We start the year by analysing your financial situation and identifying tax-saving opportunities upfront. By strategically planning ahead, we can help you optimise your tax position and maximise your savings. PERSONALISED WEALTH GROWTH VS. NEGLECTED GOALS Many clients feel neglected when it comes to their personal wealth goals. We are different. We take the time to understand your aspirations and create personalised strategies to help you build wealth. Whether it's investment planning, retirement savings, or asset allocation, we are here to guide you every step of the way. RESPONSIVE COMMUNICATION VS. DISAPPEARING ACT It can be frustrating when your accountant never returns your calls or only meets you once a year. At IJB Strategia, we value communication. We prioritise your needs and promptly respond to your inquiries. We believe in building strong relationships, ensuring you feel supported and confident in our partnership. ONGOING SUPPORT AND GUIDANCE VS. ONE-TIME INTERACTIONS We go beyond providing accounting services on a transactional basis. We offer continuous support throughout the year. Our team monitors your financial progress, provides guidance, and adjusts strategies as needed. We are your trusted advisors, available whenever you need assistance. TIMELY FINANCIAL INSIGHTS VS. DELAYED INFORMATION With traditional accountants, you often receive financial information long after it's relevant. We believe in delivering timely insights. We provide regular reports, forecasts, and analysis, empowering you to make informed decisions and seise opportunities as they arise.
Our Pledge to Your Well-Being
Tax Life is a lifelong partnership. And like any good partnership, it is dependent on both parties fully committing to working on its success. At IJB Strategia we work to empower you to overcome those hurdles that threaten the success of our partnership. Here's how we address some common hurdles: 1. LIMITED AWARENESS We understand that not everyone is well-versed in business strategies, tax incentives and government regulations. Our team of experienced professionals possesses in-depth knowledge and years of experience in tax planning and compliance. We take the time to explain complex concepts in a clear and accessible manner, empowering you to make informed decisions and understand the benefits of seeking professional advice. FINANCIAL CONCERNS We understand that budgetary constraints can be a significant factor in your decision-making process. That's why we offer flexible payment plans tailored to fit your financial situation. We also provide discounts for long-term commitments and a transparent pricing structure that demonstrates the return on investment and cost-saving benefits you can expect. FEAR OF CHANGE Change can be intimidating, but our team is dedicated to supporting you throughout the entire process. We provide a smooth transition plan and detailed onboarding assistance to ensure a seamless integration of our services into your existing workflow. We maintain communication throughout our partnership and encourage regular meetings to provide updates, present our work and address your concerns. LACK OF TRUST Trust is the foundation of any successful business relationship. We value the trust you place in us and strive to earn it. Our commitment to transparency includes freely sharing knowledge, addressing any concerns, collaborating with 3rd party experts and offering guarantees, warranties, and service level agreements to give you peace of mind. PERCEIVED COMPLEXITY If our services seem complex, we are here to simplify them for you. We provide comprehensive documentation, user-friendly guides, and accessible customer support channels to assist you every step of the way. Our training sessions and demos ensure that you feel confident and comfortable using our services, and we are always available to answer any questions you may have. PROCRASTINATION We understand that decision-making takes time, but we want to help you take that crucial step forward. We breakdown our strategies into clear roadmaps, undertake any and all work on your behalf and provide clear and concise information so that you feel empowered to make the best decisions for you, your family and your businesses.
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Addressing your Concerns
There are many public misconceptions regarding tax planning and wealth management. We understand that implementing a new service like Tax Life can raise a number of concerns. At IJB Strategia, we address these concerns head-on. POSSIBLE CONCERN: "I am worried that your strategies might be types of tax avoidance or are exploiting tax loops" None of our solutions or strategies are illegal. They are not even exploitations of tax loops. At IJB Strategia we utilise only those financial and tax incentives that the UK government prescribes to its tax-paying businesses and individuals. If you have any queries regarding any of our advice or strategies, we recommend that you raise them with us immediately POSSIBLE CONCERN: "You state that it is no longer optimum for a company to increase profits. What if my business needs larger profits to pay for a large future expenditure"? Our focus is on optimising your company profits so that the business remains sustainable and credit worthy. But beyond that, we feel that your company falls into the trap of paying too much tax. At IJB Strategia we believe that a wealthier household serves as a better resource for raising capital for future capital expenditure than a company's retained earnings as it holds further tax and wealth benefits. POSSIBLE CONCERN: "I'm worried that implementing Tax Life might disrupt my current business operations." We understand your concern about disruption. At IJB Strategia, we have a dedicated team of experts who will work closely with you to ensure a smooth transition. We'll conduct a thorough analysis of your business processes and customise the implementation to minimise any disruptions. Our goal is to seamlessly integrate Tax Life into your existing operations, allowing you to focus on your core business activities without any major interruptions. POSSIBLE CONCERN: "I'm concerned about the cost. How can I be sure that Tax Life will provide a return on investment?" We recognise the importance of ROI for our clients. With Tax Life, we offer a comprehensive financial analysis that evaluates the potential benefits and savings you can achieve. Our team will assess your specific business circumstances, identify areas of improvement, and provide a detailed cost-benefit analysis. We're committed to ensuring that the financial gains you make from implementing Tax Life will outweigh the costs, resulting in a positive return on your investment. POSSIBLE CONCERN: "What if Tax Life doesn't align with my company's unique needs and goals?" We understand that every business is unique, and that's why our approach is highly customisable. Before implementing Tax Life, we will engage in in-depth consultations to understand your household and company's short-term and long-term needs, goals, and challenges. Our experienced consultants will tailor the implementation of Tax Life to align seamlessly with your business objectives. Additionally, our continuous support and monitoring ensure that Tax Life adapts and evolves alongside your company, making it a flexible solution that caters to your changing needs. POSSIBLE CONCERN: "I'm worried about data security and confidentiality. How does Tax Life protect sensitive financial information?" We take data security and confidentiality seriously. At IJB Strategia, we have robust measures in place to safeguard your sensitive financial information. Our systems adhere to industry-leading security standards, utilising encryption protocols and secure data storage. We also conduct regular security audits to identify and address any potential vulnerabilities. Rest assured, your data privacy is of utmost importance to us, and we prioritise maintaining the highest level of confidentiality and security throughout our partnership. POSSIBLE CONCERN: "I’m already happy with my current accountant. How will Tax Life benefit me?" Having an accountant is valuable, and Tax Life complements their expertise. Our solution integrates with your existing accounting practices, streamlining and optimising your financial processes. Tax Life offers comprehensive insights, actionable recommendations, and real-time analytics, empowering your accountant to make data-driven decisions. By leveraging the power of Tax Life, your accountant can provide enhanced financial guidance, identify new opportunities, and ensure compliance with tax regulations, ultimately driving greater financial success for your business.
Flexible Pricing
On average, our clients have enjoyed benefits of about £8,300 every year, in the form of tax reductions and wealth generating strategies.
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We understand that every client's needs and circumstances are unique, which is why we offer a range of packages to ensure that you receive the services that best align with your specific requirements.
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standard
The standard package is ideal for a single household (parents, spouse and dependent children) & owns and manages one business.
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£300/month*
premium
Premium package includes standard package and includes unlimited access to all IJB Strategia services:
Tax Health
Tax Projects
Tax Case (Basic & Standard)
£500/month*
multi
To add an extra Owner-Managed Business or secondary household (grandparents, siblings, non-dependent children) requires an add-on price
£100/month*
(Add-On)
accountancy
To add the full suite of financial accountancy services including:
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End of Year Accounts,
VAT, RTI/Payroll, Dividends,
BIK, Pensions & Confirmation Statement
£100/month*^
(Add-On)
*Subject to an annual subscription. A 15% Discount is given if the annual amount is paid upfront in full.
^Accountancy prices are for each OMB.
Get in Touch Today
Our clients come to us from several different paths. For some it is the fatigue of working long hours with little to take home; for others it is the changing rate of corporation tax that is forcing them to rethink how best to extract wealth; for a few it is their growing personal ambitions or familial responsibilities; and for many it is the frustrations of paying for an accountant who is failing to add real value to their business or life. ​
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Click Here if you feel it is time to make a change in the way your businesses work for you. ​
