Smarter Income Structuring for High Earners
WHY SWS EXECUTIVE WEALTH+™
No IR35 Risk
Fully HMRC-approved PAYE structure. Stay compliant while optimizing your income.
Higher Retained Income
Save £50K+ per year in tax with a structured financial strategy tailored for high earners.
Long-Term Wealth Growth
Structured income for pensions, trusts, and investments—build wealth the smart way.
Hassle-Free Payroll
We handle invoicing, PAYE, and tax compliance so you can focus on your work.
Self-Employed vs. SWS EXECUTIVE WEALTH+™
| Feature | Self-Employed (Sole Trader/Contractor) | SWS EXECUTIVE WEALTH+™ |
|---|---|---|
| Tax Efficiency & Retained Earnings | All Profits Taxed as Income – No structured income planning | Optimized PAYE + Retained Income – Future use in pensions, trusts, or salary top-ups |
| IR35 & HMRC Risk | High Risk – Risk of misclassification as an employee if working with a single client | Fully IR35-Proof – PAYE salary removes IR35 concerns |
| Admin & Accounting Burden | High Admin – Self-assessment, VAT, tracking expenses, setting aside tax | Low Admin – Fully managed PAYE payroll, no complex tax filings |
| Tax on Profits | Up to 45% (Income Tax & National Insurance) | Structured PAYE Salary with Tax-Efficient Withdrawals |
Discover a Smarter Tax Strategy with SWS EXECUTIVE WEALTH+™. Reduce taxes, simplify finances, and build long-term wealth.
Wealth Retention Example: Consultant with £150K Profit
See how much income you could retain with SWS EXECUTIVE WEALTH+™ compared to traditional self-employment.
| Category | Self-Employed (Sole Trader/Contractor) | SWS EXECUTIVE WEALTH+™ |
|---|---|---|
| Total Profit (1 Year) | £150,000 | £150,000 |
| Total Tax Paid (1 Year) | £59,560 | £8,157 (Saves £51,403 per year!) |
| Remaining After Tax (1 Year) | £90,440 | £141,843 (Keeps £51,403 MORE per year!) |
| 5-Year Wealth Retention | ||
| Category | Self-Employed | SWS EXECUTIVE WEALTH+™ |
| Total Tax Paid (5 Years) | £297,800 | £40,783 (Saves £257K in tax!) |
| Total Remaining After Tax (5 Years) | £452,200 | £709,216 (Keeps £257K MORE with SWS!) |
Your hard-earned income shouldn’t disappear into excessive taxes. With SWS, you structure your earnings for long-term financial security.
How It Works – The SWS EXECUTIVE WEALTH+™ Process
Submit Your Invoices
You send invoices for work completed, and we handle client payments—No VAT to worry about.
We Pay You via PAYE
Your salary is structured tax-efficiently at £30K per year—No IR35 risks or complex tax filings.
You Retain Earnings
Your remaining income is secured for future use—Salary top-ups, pensions, or trusts.
Enjoy Hassle-Free Finances
No unexpected tax bills or admin stress—Just higher retained income and financial freedom.
Have Questions? We’ve Got Answers!
Is this 100% HMRC-compliant?
✅ Yes, SWS EXECUTIVE WEALTH+™ operates within a fully compliant PAYE structure. No tax loopholes, no aggressive tax schemes—just a smarter way to structure your earnings.
Can I still claim expenses?
✅ Yes, you can claim HMRC-approved business expenses, including travel, equipment, and work-related costs.
How does this compare to a Limited Company?
✅ Unlike a Ltd company, there’s no Corporation Tax, no Dividend Tax, and no complex admin. Your income is structured efficiently without the compliance headaches.
What if I need more money than my PAYE salary?
✅ No problem! Your retained income is structured for flexible withdrawals, allowing you to take additional earnings in a tax-efficient way when needed.
What happens to my pension contributions?
✅ You can contribute to a pension or set up a trust for long-term financial security. SWS ensures your earnings are structured for wealth growth.