June 14, 2024

Retirement planning when you’re self employed or Limited Company Director

Are you self employed? Or a Director of a Limited Company?

We want you to have a fulfilling retirement, and it’s never too late to start planning for your retirement when you’re self employed or a Director of a Limited Company.

Pension planning when you’re self employed

When you’re self employed, you can set up a personal pension where you can make ad hoc or regular contributions. Your pension provider will claim tax relief and add it to your pension.

If you have been paying National Insurance, you may also be entitled to the State Pension. You can check your eligibility on the Government website and if you are not eligible, you can make voluntary contributions to make up for lost years.

Pension planning when you’re a Director of a Limited Company

If you are a director of a limited company, you can use your company to fund your pension. Not only does this reduce your corporation tax bill, but can also help your pension grow in a tax efficient way.

This isn't just about saving tax. It's about planning for your retirement in the most financially efficient way, helping you to live your life without the fear of ever running out of money.

You've worked hard to build, maintain, and grow your business. So why not take advantage of the opportunities that are available to you? We understand how unique every business is. Some are family run whilst others carry a different sentiment. So we do encourage you to seek advice to make sure that this is right for you.

We explain more about this in a recent YouTube video:


Make a pension plan today

If you’d like to find out more please get in touch. We offer financial reviews and planning appointments either virtually or at our offices in Polegate, East Sussex.


Willow Tree Financial Services are a Financial Adviser based in Polegate, East Sussex, UK. We specialise in Financial Planning, Mortgages, Investments & Pension Planning, Protection & Insurance Wills, Trusts & Estate Planning.

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Plus, visit our YouTube channel where you can lots of helpful financial advice videos:


Tax treatment varies according to individual circumstances and is subject to change. The value of pensions and investments can rise as well as fall. You may get back less than you invested.

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