Salary-versus-dividend modelling
We calculate the exact split between remuneration and dividends that minimises combined personal and company tax under current SARS brackets, re-run annually as brackets shift.
For Owner-Managed Businesses
Your business and your personal finances are not the same balance sheet
We work alongside your accountant to structure salary, dividends and provisional tax so the business funds its own growth without draining your personal position.
01
What structuring actually changes
Provisional tax discipline
Two provisional payments a year, calculated from real trading data rather than last year's estimate, to avoid both underpayment penalties and interest-free loans to SARS.
Buy-and-sell funding
For businesses with more than one owner, we structure life-cover-funded buy-and-sell agreements so a partner's death or exit doesn't force a fire sale of the business.
Practice-value protection
For professional practices, disability and key-person cover sized against actual replacement-locum costs, not a generic multiple of income.
02
How a structuring engagement runs
Financial statement review
Two to three years of AFS and management accounts reviewed alongside your accountant.
Structuring options presented
A written comparison of at least two structuring options with the tax impact of each shown in rand terms.
Implementation with your accountant
Changes are filed and confirmed jointly with your existing accounting practice — we don't replace that relationship.
Annual re-modelling
The salary/dividend split and provisional tax estimates are re-run every tax year as brackets and business performance change.
03
Common questions on business tax structuring
No — we work alongside your existing accountant or bookkeeper. Our role is the strategic structuring layer above the compliance work they already handle.
Structuring options are more limited for sole proprietors, but provisional tax discipline and disability cover sizing still apply and are usually the first two things we address.
Salary/dividend restructuring typically shows in the next filing cycle; buy-and-sell and practice-value structures are protective rather than immediately tax-reducing.
Bring your last AFS — we'll tell you what's on the table
A first structuring review usually takes one 60-minute meeting once we've seen two years of financials.
Book a structuring review