Retirement and exit planning, built around how IT businesses actually work

Contractor pay structures, sudden liquidity events, and technical pensions rules that generic guidance skips over. This resource is written specifically for IT contractors, directors and business owners in the UK.

PENSIONS

Pension planning for IT contractors and directors

Salary sacrifice through a limited company, the Annual Allowance, and why a SIPP often suits contractors better than a stakeholder scheme. What changes when your income is variable or comes through dividends.

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TAX EFFICIENCY

Salary, dividends and IR35: staying efficient without the guesswork

How the salary/dividend split actually works this tax year, where IR35 status changes the calculation, and the allowances directors overlook most often.

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EXIT PLANNING

Selling or winding up an IT business

Business Asset Disposal Relief, members' voluntary liquidation, and the groundwork that determines whether a sale is tax-efficient or not — starting years before the exit itself.

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About this resource. IT Retirement Planning is produced by Fane Financial Services, a trading name of Corbel Partners Ltd, authorised and regulated by the Financial Conduct Authority (FRN 429142). The guides here are general information, not personal financial advice — figures and allowances change each tax year, and what applies to your circumstances depends on your specific situation.

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