The
45%
CLUB
The Complete Financial Planning Guide
for Additional Rate Taxpayers
At the additional rate tax band, financial planning often becomes more complex. Decisions around tax interactions, long-term accumulation and structural financial arrangements can carry significantly more weight at this income level.
This guide explores the key planning considerations that often become more relevant as income reaches the additional rate.
Tax Rate
45%
Where tax planning becomes even more impactful
Tax Year
2026/27
Updated for the current tax year
Free. Educational purposes only. No obligation.
What This Guide Covers
How planning changes at the additional rate tax band
Tax interactions many people overlook
Long-term planning considerations at this income level
Structural financial decisions that become more important
Ready to Discuss Your Own Situation?
Reading the guide is a useful starting point.
However, many additional rate taxpayers find the real value comes from understanding how these topics relate to their own income, tax position, pensions, investments and long-term goals.
If you would like to explore your position in more detail, TrustEvo can introduce you to an FCA-authorised financial adviser for a complimentary financial planning review.
The review is designed to help you:
- •Clarify your current structural position at the additional rate
- •Identify potential coordination gaps across income streams
- •Explore potential planning opportunities and areas that may require attention
- •Gain clarity on your options before making important financial decisions
- •Understand whether ongoing financial advice may be appropriate for your circumstances
Complimentary. No obligation.
Important Information
This guide is provided for educational purposes only. It does not constitute financial, tax or investment advice. Tax treatment depends on individual circumstances and may change. The figures and examples used throughout this guide are based on current legislation and publicly available information at the time of publication. TrustEvo operates as an introducer and does not provide regulated financial advice. Any advice would be provided by the FCA-authorised adviser you are introduced to.