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Tax
6 min read
Five tax moves to make before the year closes
A short, practical checklist to reduce your tax bill while there’s still time to act — for business owners and individuals alike.
Sofia Lindqvist
Director, Tax Strategy
The last quarter of the year is when good tax planning pays off. Once the calendar turns, most opportunities to change this year’s outcome disappear — so a short review now can be worth far more than any effort in April.
1. Review your salary and dividend mix
For owner-managed businesses, the balance between salary, dividends and pension contributions has a significant effect on the total tax paid. Model a few options before your final payroll run of the year.
2. Bring forward planned investments
If you were already planning to buy equipment or software, purchasing before year-end can accelerate relief. Just make sure the purchase makes sense for the business first.
3. Use every allowance you have
Retirement and pension contributions
Charitable giving and matching schemes
Capital gains and losses harvesting
Family and spousal allowances
None of these moves are complicated on their own. The value comes from combining them into one coordinated plan — which is exactly what a year-end review is for.
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