Stephen Pitcher - Retirement & Financial Planning Expert

Stephen Pitcher - Retirement & Financial Planning Expert Helping you plan for a secure and fulfilling retirement with tailored financial strategies.

17/06/2026

Where Should Company Cash Sit?

Many directors focus on what to invest in — equities, property, pensions or cash.

But for company directors, a useful planning question is often: where should capital sit in the first place?

On the company balance sheet, in personal ownership, inside a pension wrapper or in a holding structure — each location can affect tax, access and risk differently. Watch the next clip to follow the series.

This content is for general information only and does not constitute personal financial advice.

15/06/2026

What Cash Inside Your Company Actually Does

Cash inside a company is not simply sitting safely.

It sits within Corporation Tax rules, business risk exposure and future extraction tax decisions.

For company directors, if the long-term goal is personal financial independence, there may be a mismatch between where capital is stored and what it is meant to achieve. Watch the next clip to follow this short series.

This content is for general information only and does not constitute personal financial advice.

11/06/2026

Why Directors Leave Cash in Their Company

Most directors don't intentionally concentrate risk.

They do it because the company feels known, controllable and understood. So leaving surplus cash inside feels like the prudent option.

But familiarity doesn't equal diversification. This short clip is part of a series for company directors on surplus company cash. Watch the next clip to follow the full sequence.

This content is for general information only and does not constitute personal financial advice.

09/06/2026

A director with £800,000 of retained profits — all sitting in one trading entity, one sector, under one legal wrapper.

That isn't diversification. It's concentration.

This short clip is part of a series for company directors exploring what to do with surplus company cash. Watch the next clip to follow the full sequence.

This content is for general information only and does not constitute personal financial advice.

06/06/2026

Is Leaving Cash in Your Company the Right Decision?

Once profits build up inside a company, leaving them there can feel like the sensible option.

But for company directors, cash inside a trading company is an asset class — and it carries structural risk.

This is part of a short series exploring how directors think about surplus cash and capital location. Watch the next clip to follow the full sequence.

This content is for general information only and does not constitute personal financial advice.

02/06/2026

When profits build up inside a company, it can feel like the safest place for the money to stay.

It is familiar, available and part of the business you understand.

But a different point is raised in this clip: company cash is not always neutral.

If too much wealth sits in one company, one sector, and one legal structure, it may create a form of concentration that directors should understand as part of wider planning.

This is educational content only and not personal financial advice.

28/05/2026

Friction Hides in Sequencing: The 60% Rate

Wealth isn't shaped only by growth. It's shaped by friction.

When directors approach longer-term planning — exit preparation, business sale, wealth transition — inefficient timing in earlier years can reduce flexibility later.

And that friction often hides in sequencing. The order and timing of decisions across tax years can compound in ways that aren't visible in any single year's accounts.

This short video explains why profit extraction may sit inside a broader architecture.

For information only. Professional advice should be sought where appropriate.

25/05/2026

That Extra Dividend? It Could Trigger the 60% Rate

One extra dividend. One decision. And the effective tax rate on that specific payment may climb to around 60%.

This isn't about large sums or complicated structures. It may be triggered by a straightforward dividend that crosses the higher-rate threshold — something that happens routinely at year-end.

The question isn't whether the dividend is affordable. It's whether the timing has been considered alongside total income for the year.

Worth 60 seconds of your time 👇

For information only. Professional advice should be sought where appropriate.

20/05/2026

The Hidden 60% Rate Directors Miss

Did you know there's a tax rate that sits between two familiar bands — and most UK directors only discover it when the calculation's already done?

It's called the 60% effective rate, and it's not a separate tax. It's what may happen when your dividend income crosses a specific threshold in a single tax year. The system is structured this way — but it's rarely explained in a way that connects to your own situation.

If you know another director who takes dividends, this might be worth sharing.

For information only. Professional advice should be sought where appropriate.

16/05/2026

Taking profits from a company can seem like a simple year-end decision. But for company directors, timing can sometimes change how the wider tax picture works.

For example, taking dividends in March may interact differently with tax bands and allowances than waiting until April, when the new tax year has started.

This short clip explains why the “when” can matter — not just the “how".

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