Smarter Income Structuring for High Earners
Are You Losing Over £50,000 a Year to HMRC?
Most consultants and contractors lose over 40% of their income to tax every year. Traditional tax structures leave you with:
High Income Tax & National Insurance (Up to 45%) if self-employed.
Corporation Tax, Dividend Tax, and Accountant Costs if running a Limited Company.
No control over income retention if paid via standard PAYE.
What If You Could Structure Your Income More Efficiently—While Staying Fully Compliant?
See How Much You Can Retain
Enter your annual income below to see how much tax you could keep with SWS EXECUTIVE WEALTH+™.
Total Profit: £150,000
Tax Paid (Self-Employed): £59,560
Tax Paid (SWS): £8,157
Wealth Retained with SWS: £51,403
The SWS EXECUTIVE WEALTH+™ Solution
SWS legally structures your income under a fully HMRC-compliant PAYE model to ensure:
Optimized PAYE Salary – Reduces upfront tax exposure.
Retained Earnings – Secure your income for future salary top-ups, pensions, or trust planning.
Full Compliance – No IR35 risk, no tax loopholes, just a better PAYE model.
Hassle-Free Setup – We handle invoicing, payroll, and tax filings.
SWS helps consultants retain more of their income—without complex tax planning or compliance risks.
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.
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.
FAQs – Answering Common Questions
Still have questions? Below are some of the most common queries about SWS EXECUTIVE WEALTH+™.
Yes! SWS EXECUTIVE WEALTH+™ operates within a fully HMRC-compliant PAYE structure. This ensures full transparency, no tax loopholes, and no compliance risks.
Unlike a Ltd company:
- No Corporation Tax
- No Dividend Tax
- No expensive accountants or complex filings
Your income is structured for efficiency without the admin headaches.
With SWS, your retained earnings can be accessed in a tax-efficient way. We help you manage this to maximize take-home income while staying fully compliant.