Hello Mumsnet.
I have been earning really well for the past few years through my limited company but the reality is that one client has gone from being a half to 3/4 to 90% of my income and soon it will be 95% because Brexit has made my work but other clients hard to administer. I can’t send a substitute and I basically manage a team. There’s little chance I’ll be outside IR35
I’ve asked whether employment is an option as I’m very much part of the team, and they can say no if they wish.
If it is a no, am I right in thinking I may as well get rid of the limited company, pay the NI contributions and just max out my pension contributions to be tax efficient?