Grieve & Lombard - UK

Grieve & Lombard - UK Strategy | Tax | Reporting

🚀 The + Spouse Net Income Booster: The Most Powerful OM Strategy You’re Not Using 🚀Most Owner Managers extract income as...
25/05/2026

🚀 The + Spouse Net Income Booster: The Most Powerful OM Strategy You’re Not Using 🚀

Most Owner Managers extract income as if they’re a household of one.

That’s the mistake… ⚠️

When profit extraction is structured at a household level instead of an individual one, you unlock additional tax bands and efficiency zones that dramatically increase your take-home, without increasing Net Cost to Company.

£20k–£85k additional take-home across common gross dividend income strategies.

Same company spend.
Different structure.
Swap Dividends for Interest on your loan capital.
Radically different outcome. 🔥

If this hasn’t been modelled for you, your extraction plan isn’t optimised.

15/05/2026

If you’re still extracting profit mainly through dividends, here’s the wake-up call. 🚨

Simply shifting part of your extraction from Dividends → Interest can increase your net income every single time, across every strategy we tested. 📈

Same Net Cost To Company.
Higher take-home.

This is one of the simplest optimisation levers available to an owner-manager.

Yes — Net Tax Zero is real.And yes — it can be compliant.Under Tax year 26/27 modelling:OM CORE PLANNet Income: £62,435N...
06/05/2026

Yes — Net Tax Zero is real.
And yes — it can be compliant.

Under Tax year 26/27 modelling:

OM CORE PLAN
Net Income: £62,435
Net Tax Payable: £0

OM + SPOUSE BOOSTER PLAN
Net Income: £124,869
Net Tax Payable: £0

✅ Fully within the rules when implemented correctly.

Most tax planning looks at personal and corporate tax in isolation. We don’t. 🚫

We model the Owner-Manager as a whole, integrating personal and corporate tax together.

Optimising across both changes the outcome dramatically. 📊

Here’s a result many owner-managers don’t realise is possible:📈 Increase your personal net income by up to 37%💷 Without ...
27/04/2026

Here’s a result many owner-managers don’t realise is possible:

📈 Increase your personal net income by up to 37%

💷 Without increasing your company’s cost by a single pound

🤝 And all fully compliant

Based on a Gross Dividend Income Strategy of £100,540, the Net Cost to Company is £101,242 (after adjusting pension contributions).

With the +Spouse Booster structure:
➡ Net Income increases from £74,706 to £100,457
➡ A full 37% uplift
➡ 0% increase in company spend

This is the power of structuring income — not just choosing “salary vs dividends”.

Most Owner Managers focus on the wrong tax question.They ask: “How much tax do I pay?”The smarter question is:👉 “How muc...
17/04/2026

Most Owner Managers focus on the wrong tax question.

They ask:
“How much tax do I pay?”

The smarter question is:
👉 “How much tax is dragging down every £1 I try to take home?”

When we compare strategies on a like-for-like basis (same Net Cost To Company), the structural gap becomes obvious.

At £100k:
• Interest yield: £0.86
• Dividend yield: £0.78
• Employment income yield: £0.74

And as extraction increases, tax drag widens.

This isn’t about tax tips.

It’s about engineering efficiency into your extraction structure, so compounding works for you, not against you.

The Break-Even Point for Owner Managers didn’t just move this year.It collapsed. Under Tax Year End (TYE)26, Salary (EE)...
08/04/2026

The Break-Even Point for Owner Managers didn’t just move this year.
It collapsed.

Under Tax Year End (TYE)26, Salary (EE) and Dividends produced the same net income at:
​​💥 £714,800 Gross Dividend Strategy

Under TYE27?
That same break-even point plummets to:
💥 £213,434

That’s a seismic shift, and it’s driven entirely by the 2% increase in Income Tax on Dividends and Interest.

But here’s the part most OMs never see:

📊 Sensitivity Analysis: What If Tax Rates Move Again?

We modelled BEP under four smaller increases (0.5%, 1%, 1.5%, 2%).

Even small tweaks dramatically change your Net Cost to Company and personal Net Income.

The takeaway?
🔺 Even tiny tax increases shift the OM landscape
🔺 The “optimal structure” changes faster than most tax consultants update their models
🔺 Interest income continues to outperform both at every BEP point.
🔺 BEP is no longer a single number; it’s a moving target

This is why OM income extraction can’t rely on old assumptions.

And why adopting a dynamic optimisation framework (anchored on Net Cost To Company) matters more today than ever.

When the rules shift, the smart players shift, too.

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