IJB Strategia | Life. Tax. Plan.

Delivering Tax Solutions that secure Financial Independence

Tax

YOUR TAX NEEDS

For owner-managed businesses (OMBs) and personal service companies (PSCs), tax is more than just a compliance exercise—it’s an opportunity. While traditional tax rules often separate personal and business finances, a wide range of tax incentives exists that allows us to integrate the two, creating a smarter, more efficient tax strategy that benefits both your business and personal wealth.

At IJB Strategia, we specialise in maximising Allowances, Benefits, Credits, Deductions, Exemptions, Reliefs, and Schemes to optimise your tax position across all areas of your financial life. Whether you’re building household wealth, solving immediate tax issues, or undertaking transcations with tax implications, our expertise ensures that every available incentive is leveraged to reduce liabilities and increase financial efficiency.

Our approach is tailored across five key service areas, each designed to help you navigate tax efficiently:

Reduce Tax. Maxmise Wealth. Future Proof.

A million-pound business is impressive—but a million-pound household is even better. With rising corporation tax rates, keeping profits locked inside your company is no longer the smartest move. Tax Life is our flagship, strategic, and collaborative service designed to help Owner-Managed Businesses (OMBs) and Personal Service Companies (PSCs) develop tailored strategies that reduces corporation profits to the lowest tax rates.

What sets Tax Life apart is our commitment to you:
Every strategy we create is carefully aligned with your personal ambitions, household needs, and business objectives—ensuring your financial plan supports your goals in the short, medium, and long term.

✔ Comprehensive Business Planning:

Business structuring and corporate restructuring
Leveraging tax incentives and reliefs
Financial management for optimal cash flow
Wealth extraction strategies to move profits from your business to your household efficiently

✔ Optimal Accounting Methodologies:

Accelerating deductions and deferring income
Adapting to changes in tax laws and regulations
Ensuring compliance while maximising planning opportunities

Tax Solutions. Recover Savings. Regain Control

Tax problems can arise unexpectedly—whether it's an unexpected bill, cash flow issues, or inefficient tax structures weighing you down. Tax Clinic is designed to provide fast, tailored tax solutions using specialist tax incentives to resolve financial challenges and optimise your tax position.

We take a holistic approach, integrating both personal and business finances to create solutions that reduce liabilities, increase reliefs, and prevent future issues—all while ensuring full compliance.

✔ Unexpected Tax Bills – Restructure liabilities, access reliefs, and manage payments efficiently.
✔ Cash Flow & Tax Efficiency – Free up trapped cash by leveraging allowances, deductions, and credits.
✔ Restructuring for Tax Optimisation – Rework business and personal tax setups to prevent recurring issues.
✔ Missed Reliefs & Overpaid Tax Recovery – Identify and reclaim overlooked tax-saving opportunities.

Plan Big. Save Smart. Grow Fast.

Strategic decisions—whether in business or personal finance—come with significant tax implications. Tax Project ensures that every major transaction or restructuring is tax-optimised, leveraging specialist tax incentives to protect your wealth and enhance your outcomes.

By utilising tax incentives that integrate personal and business finances, we create tailored tax strategies that help you reduce liabilities, unlock reliefs, and structure your projects for long-term success.

✔ Business & Investment Growth – Optimise tax on expansions, restructures, mergers, acquisitions, and funding via SEIS, EIS, and share incentive schemes.
✔ Property Transactions – Manage capital gains tax, stamp duty, and rental income structuring for tax-efficient property sales and acquisitions.
✔ Innovation & Asset Incentives – Maximise R&D relief, Patent Box benefits, and capital allowances to reduce tax on intellectual property and business assets.
✔ Wealth Transfers & Exit Strategies – Structure inheritance, succession planning, and business exits to minimise tax exposure.
✔ Employee & Director Rewards – Implement tax-efficient incentive schemes, including EMI, SIPs, and pension planning for long-term wealth building.
✔ Cross-Border & International Planning – Navigate tax complexities when expanding globally or relocating assets.

Fix Gaps. Optimise Tax. Stay Head.

Tax laws are constantly changing, and what worked yesterday may no longer be the best strategy today. Without regular tax reviews, inefficiencies creep in, threatening your financial goals and increasing unnecessary liabilities. Tax Health is a comprehensive audit of your household’s business and personal finances, ensuring every tax opportunity is maximised while adapting to new legislation.

We assess your entire financial structure, identifying risks, reclaiming missed reliefs, and restructuring your tax position for maximum efficiency and future security.

✔ Tax Efficiency Review – Identify overpayments, missed reliefs, and restructuring opportunities to reduce liabilities.
✔ Wealth Alignment & Planning – Ensure your business and personal tax strategies align with your financial goals.
✔ Income & Investment Structuring – Balance salary, dividends, pensions, and investment returns for optimal tax efficiency.
✔ Asset & Property Tax Review – Evaluate ownership structures, capital gains, and rental income strategies.
✔ Risk & Compliance Assessment – Minimise audit risks, avoid penalties, and strengthen tax planning against future changes.
✔ Ongoing Tax Optimisation – Keep up with evolving tax laws to secure long-term financial advantages.

Stand Firm. Resolve Issues. Protect Assets.

Facing HMRC inquiries can be daunting, but with the right support, you can navigate these challenges confidently. Tax Case offers expert advocacy to manage and resolve a wide range of HMRC engagements, ensuring your rights are protected and your interests upheld.

Our experienced team provides comprehensive support, guiding you through every step of the process to achieve favourable outcomes.

✔ HMRC Audits & Visits – Expert guidance to ensure compliance and minimise potential issues during HMRC interactions.

✔ Compliance Issues – Assistance in addressing and resolving compliance matters to meet all necessary obligations.

✔ Appeals & Tribunals – Representation and support in filing appeals and presenting your case effectively before tribunals.

✔ Penalties & Dispute Resolution – Negotiation to minimise financial impact and resolve disputes efficiently.

✔ Late Filings – Guidance to rectify missed deadlines and ensure proper filing with HMRC.

✔ Property Tax Compliance – Expertise in navigating let-property campaigns and associated tax obligations.

✔ Back-Duty Cases – Assessment and strategy development to address concerns about underpaid or unpaid taxes from past periods.

Value

HOW WE CREATE VALUE

These case studies show how we apply tax incentives, financial structuring, and personal-business integration to unlock real results for our clients. From reducing corporation tax to extracting wealth into the household, every strategy is designed to optimise your full financial picture — not just your business.

One Business, One Household Strategy

Scenario: Huma runs a profitable recruitment agency while earning rental income on the side. With rising profits charging higher corporation tax rates, she wanted a strategy to reduce tax, avoid higher-rate income tax, and support her family.

Strategy: We restructured Huma's company to absorb over £20,000 of dual-use household costs — including home office utilities, tech, and phone bills — as valid business expenses. Her siblings were employed in genuine support roles and paid tax-free salaries. We introduced a family share scheme, shifted her charitable giving into the company, and made optimised pension contributions to keep her income within the basic rate despite rental profits.

Results

✓ £44,000 extracted into the household through tax-free salaries, pension contributions, and share schemes
✓ £19,750 saved in corporation tax from deductible expenses
✓ £20,000 of personal household costs now paid by the business.

Process

THE TAX JOURNEY

At IJB Strategia, we believe in a structured, transparent, and client-focused approach. Every household and business has unique financial circumstances, goals, and challenges. To ensure the best tax outcomes, we combine personal and business finances using tax incentives, ensuring an integrated and optimised tax strategy across all five of our services.

Here’s our six-step process to guide you through tax planning, problem-solving, and strategy implementation:

Understanding Your Goals & Challenges

We assess your household and business finances, identifying goals, tax inefficiencies, and challenges to create a strategy aligned with your ambitions.

Implementation & Qualification Support

We guide you through meeting qualifying conditions, restructuring finances, and applying tax strategies while ensuring full compliance with HMRC regulations.

Gather & Analyse your Financial Data

We review your financial landscape, business structures, income, assets, and liabilities—to uncover tax-saving opportunities, compliance risks, and inefficiencies.

Ongoing Monitoring & Adjustments

We track legislative changes, business growth, and personal milestones to refine your tax strategy and maximise long-term financial efficiency.

Designing a Tax-Efficient Strategy

Using tax incentives, reliefs, and exemptions, we develop tailored solutions to optimise wealth extraction, resolve tax issues, and enhance financial security.

Long-term Tax Heath & Compliance

We track legislative changes, business growth, and personal milestones to refine your tax strategy and maximise long-term financial efficiency.

Team

ABOUT US

At IJB Strategia, we’re not your typical accountancy firm. Where most practices treat taxes in separate silos—personal tax, corporation tax, VAT, CGT, inheritance—we do the opposite. We take a holistic, strategy-first approach, built specifically for Owner-Managed Businesses (OMBs) and Personal Service Companies (PSCs) who want to make tax work across their entire financial lives.

In addition to providing you with the full suite of accounting and compliance services, we put our 20+ years of experience and ACCA-qualified expertise, as specialists in tax incentives—including allowances, reliefs, exemptions, deductions, and schemes—to create tailored strategies that integrate business and personal finances.

Our goal is simple:
✔ Lower your tax liabilities across the board
✔ Align your household and business goals into one cohesive plan
✔ Extract wealth efficiently to build long-term personal security
✔ Solve complex tax challenges with innovative, incentive-led solutions

industry tax

INDUSTRY SECTORS

At IJB Strategia, we understand that effective tax planning isn’t just about numbers—it’s about knowing your world. That’s why we bring deep, hands-on expertise across a range of industries, allowing us to create strategies that reflect the commercial realities of your sector while unlocking tax incentives most accountants overlook.

Every industry has its own pressure points. We know where they are—and we know how to turn them into planning opportunities.

Explore how we tailor our strategies across the sectors we serve.

Sell Smart. Extract More. Stay Ahead.

Retailers face razor-thin margins, unpredictable stock cycles, and growing tax burdens. We go beyond VAT and bookkeeping to help you convert business effort into personal wealth—legally and efficiently.

✔ Use directors’ loan strategies and family income mapping to extract tax-free cash
✔ Convert unsold stock and premises into tax-relieved assets
✔ Structure e-commerce growth using VAT thresholds, R&D, and digital platform reliefs
✔ Integrate business revenue with personal ISAs, pensions, and property investments

Earn Big. Plan Sharp. Keep More.

Whether you're a consultant, clinician, lawyer, or specialist, your earnings are high—but so are your tax exposures. We help high-performing professionals translate income into long-term wealth using precision tax incentives and personal-business integration strategies.

You’re not just running a practice or billing clients—you’re building a legacy. We ensure your tax strategy reflects that.

✔ Use pension corridors and taper relief planning to avoid annual allowance penalties
✔ Structure income using dividends, family payroll, and company-owned investments
✔ Route profits into ISAs, property, or trusts to lock in tax-free or deferred growth
✔ Plan for exit or buyout with BADR, goodwill sales, and IHT optimisation
✔ Separate private and NHS income (or multiple income streams) into tax-efficient silos
✔ Build long-term wealth through tax-led corporate structuring—not just compliance

Buy Right. Grow Value. Create Legacy.

We turn property income and gains into generational wealth using tax reducing incentives that combine rental profits, capital gains, and family planning into one streamlined plan.

✔ Use SDLT reliefs, incorporation relief, and CGT timing to unlock value
✔ Route property income into SIPPs, trusts, LLP/Ltds, or pension-led borrowing structures
✔ Split ownership to access lower-rate bands and IHT exemptions
✔ Align disposal strategies with inheritance and lifestyle objectives

Plan Right. Build Smart. Scale Up.

Construction is hands-on and fast-paced—but your tax strategy doesn’t have to be reactive. We use incentives and structuring to shift profits from the job site into your household, long before year-end.

✔ Use capital allowances and project phasing to drop effective profit
✔ Direct profits into family pensions and rental portfolios to lower corporation tax
✔ Use payroll across spouses and family to extract income tax-efficiently
✔ Align CIS cashflows with personal debt repayment and savings goals

Dream Big. Scale Fast. Level Up.

Startups are built for scale—but founders often miss early opportunities to lock in tax advantages. We ensure your corporate structure supports your personal future, not just your cap table.

✔ Combine R&D reliefs and Patent Box to reduce tax on innovation
✔ Structure SEIS/EIS to attract capital without overcomplicating personal tax
✔ Use EMI schemes that align founder incentives with future extraction
✔ Plan exits years in advance to optimise Business Asset Disposal Relief and CGT

Streamline Supply. Run Lean. Scale Strong.

Heavy equipment, complex logistics, and international tax exposure often leave manufacturers focused on costs, not wealth. We change that—translating operations into long-term financial security.

✔ Unlock cashflow through capital allowances, R&D, leasing strucutres, and trading loss reliefs
✔ Reinvest tax savings into personal pensions, EIS, or property portfolios
✔ Use dividend policy to manage director take-home and CT liability
✔ Build family-based exit strategies that reduce IHT and CGT exposure

Price

FLEXIBLE PRICING

On average, our clients unlock over £8,000 per year in tax savings and wealth-building opportunities through our strategies. We know every household and business is different — that’s why we offer flexible packages tailored to your structure, goals, and level of complexity. Whether you need guidance on a single issue or full-spectrum strategic support, there’s a plan to suit your journey.

BASIC

Lower company profits to lower tax rates while extracting wealth to enrich the household. Tax Life aligns corporate and personal taxes to optimise the family’s financial health.

£100/month

premium

Apply Tax Life to all finances — company, rental income, investments, properties, pensions, overseas assets, gifts/inheritance, charity and savings — into a seamless, tax optimisation strategy.

£300/month*

multi

Add an extra Owner-Managed Business/PSC or secondary household (grandparents, siblings, non-dependent children) to your subscription with an add-on price

£100/month*
(Add-On)

accountancy

Add the full suite of financial accountancy services including:

Tax Returns, VAT, RTI/Payroll, Dividends, BIK, Pensions, Shares & 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 or PSC.

Insight

INSIGHT

Our dedicated blog series for Owner-Managed Businesses (OMBs) and Personal Service Companies (PSCs) offers clear, strategic insight in a fast-changing tax and financial landscape. Stay up to date with timely updates, actionable guidance, and mindset shifts designed to help you—and your business—not just adapt, but thrive with purpose.

Who's really Afraid of Higher Corporation Tax?

Capital Gains during 2023 Corporation Tax Rate Hike

How lack of emotions is stopping us from creating wealth.

tax Faqs

Contact tax

LET'S TALK

At IJB Strategia, we specialise in integrating personal and business finances to optimise tax efficiency for owner-managed businesses and personal service companies. Our tailored strategies leverage a wide range of tax incentives to reduce liabilities and enhance wealth.

Get in touch today to discuss how we can support your tax planning and accounting needs.

0330 043 7114

info@ijbstrategia.com

IJB Strategia

Legal & Regulatory

IJB Strategia is the trading name of Euro Accountancy Services Ltd (company no. 4814369). We are a limited company registered in England and Wales.