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skills/mohitagw15856/pm-claude-skills/tax-planning-checklist

tax-planning-checklist

1
mohitagw15856/pm-claude-skills·Audit passed·Snapshot 2974c4319754

Summary

This source did not publish a separate summary. Review SKILL.md before using the skill.

SKILL.md

Tax Planning Checklist Skill

Produces a structured tax planning review framework — identifying common reliefs, year-end planning opportunities, and potential gaps. Always recommend a qualified tax adviser for implementation.

WARNING: Tax law changes frequently and varies by jurisdiction. This checklist produces a framework for discussion, not tax advice. Always verify with a qualified accountant or tax adviser before taking action.

Required Inputs

Ask the user for these if not provided:

  • Entity type (individual / sole trader / limited company / partnership / trust)
  • Jurisdiction (UK / US / EU / Other — defaults to UK if unspecified)
  • Approximate income or revenue (to identify relevant thresholds)
  • Key concerns (optional — e.g. capital gains, pension, inheritance, R&D credits)
  • Time horizon (year-end planning / ongoing / specific event like sale or exit)

Output Structure

Tax Planning Checklist — [Entity Type] — [Tax Year / Period]

Jurisdiction: [UK / US / Other] Entity type: [Individual / Limited company / etc.] Key thresholds to note: [List relevant tax-year thresholds — e.g. personal allowance, basic rate band, VAT threshold]

Section 1: Income and Allowances

  • Personal allowance fully utilised? (UK: £12,570 — check if taper applies above £100k income)
  • Dividend allowance used where relevant? (UK: £500 2024/25)
  • Savings interest allowance reviewed?
  • Salary/dividend split optimised for owner-managed companies?
  • Any income timing opportunities before year-end?
  • Spouse or partner allowances — any transfer or use opportunities?

Section 2: Pension and Retirement

  • Annual pension allowance assessed? (UK: £60,000 or 100% of earnings, whichever lower)
  • Carry forward of unused annual allowances from prior 3 years checked?
  • Company pension contributions reviewed (corporation tax deductible)?
  • Salary sacrifice arrangements in place or reviewed?
  • Lifetime allowance implications assessed? (UK: abolished April 2024 — but transitional protections still relevant for some)

Section 3: Capital Gains Tax

  • Annual CGT exempt amount used? (UK: £3,000 for 2024/25)
  • Crystallising gains before year-end to use exemption?
  • Loss harvesting opportunities reviewed?
  • Business Asset Disposal Relief (BADR) eligibility checked for business sales?
  • EIS / SEIS investments reviewed for CGT deferral?
  • Bed-and-ISA / bed-and-SIPP opportunities assessed?

Section 4: Business Reliefs (UK Limited Companies)

  • R&D tax credit eligibility reviewed? (SME scheme vs RDEC depending on size)
  • Capital allowances claimed on qualifying expenditure?
  • Annual Investment Allowance (AIA) utilised? (UK: £1m)
  • Patent Box relief explored for IP-derived profits?
  • Employment Allowance claimed?
  • Entrepreneurs' Relief / BADR reviewed for shareholding structure?
  • Loss reliefs utilised or carried forward optimally?

Section 5: VAT

  • VAT registration threshold monitored? (UK: £90,000 rolling 12 months)
  • Flat rate scheme vs standard accounting reviewed?
  • Partial exemption position reviewed if relevant?
  • VAT on property or mixed-use assets checked?

Section 6: Inheritance Tax and Estate Planning

  • Annual gifting allowances used? (UK: £3,000 per person per year)
  • Business property relief and agricultural property relief eligibility?
  • Trust structures reviewed for IHT efficiency?
  • Life insurance written in trust to prevent estate inclusion?
  • Nil rate band and residence nil rate band utilised optimally?

Section 7: ISAs and Tax-Efficient Wrappers

  • ISA allowance fully subscribed? (UK: £20,000 per person 2024/25)
  • Junior ISAs for children considered?
  • Venture Capital Trusts (VCT) or EIS investments considered for income tax relief?
  • Lifetime ISA (LISA) reviewed for eligible individuals?

Year-End Action Summary

Based on the above, prioritise these before year-end:

ActionPotential savingDeadlineAdviser needed?
[Action][£ estimate or "significant"][Date]Yes / No

Quality Checks

  • Jurisdiction confirmed before applying any thresholds or rules
  • Year-end deadlines identified for time-sensitive opportunities
  • High-impact items prioritised (not just a long undifferentiated list)
  • Disclaimer is prominent — this is a framework, not tax advice
  • Threshold figures are flagged as requiring verification for current tax year

Anti-Patterns

  • Do not provide specific tax advice — always recommend qualified tax advice and note this prominently
  • Do not present threshold figures as definitive without noting they require verification for the current tax year
  • Do not produce a generic checklist without tailoring it to the entity type (individual, sole trader, limited company)
  • Do not omit timing-critical items — some reliefs require action before year-end and deadlines must be called out
  • Do not conflate UK and non-UK tax rules — clarify jurisdiction before generating any checklist

Example Trigger Phrases

  • "Give me a tax planning checklist for [year-end / my situation]"
  • "What tax reliefs should I consider as a [sole trader / limited company / individual]?"
  • "Review my tax efficiency before the end of the tax year"
  • "What should I check for my year-end tax planning?"

Related skills

capacity-planningcompetitor-teardowncontext-engineering-reviewrunbook-writerreceipts-audit