Pay what you owe. Not a rand more.
Most of the tax inefficiency we find isn't hidden — it's just never been reviewed. We go through your remuneration structure, provisional tax position and available deductions line by line, then put the savings in writing.
The areas that usually move the needle
Salary vs. dividend split
For directors and business owners, the right ratio can shift your effective tax rate materially — we model it against your actual company cash flow.
Provisional tax accuracy
Under- or over-estimating provisional tax costs you either penalties or interest-free loans to SARS. We calculate it properly, twice a year.
Retirement annuity contributions
Timed correctly against your marginal rate, RA contributions are one of the few legal deductions still fully within your control.
Medical aid and disability cover structuring
Small adjustments to how cover is paid and claimed can affect your tax credits meaningfully over a year.
Capital gains timing
The tax year in which you realise a gain — on property, shares or a business sale — is often more important than the gain itself.
Travel and home-office allowances
Correctly logged and substantiated, these remain legitimate deductions that most individual taxpayers under-claim or misdocument.
R214,000 recovered in a single restructure
annual tax saving after restructuring
A Woodstock architecture practice was paying its two directors entirely by salary. After a position review, we restructured 40% of their income as dividends, adjusted provisional tax estimates accordingly, and coordinated the change with their existing bookkeeper.
The saving was confirmed in the following year's assessment — with no SARS query raised, because every step was documented against current legislation before it was implemented.
Common questions on tax strategy
Let's see what your current structure is costing you.
A tax position review typically takes one meeting and one week to turn around in writing.