Financial Advice
Savings & Investments

Contractors, Freelancers, and Business Owners Deserve Advice That Reflects Their Reality.
Variable income, IR35 considerations, complex remuneration structures, and significant assets that straddle personal and commercial lines - these aren't edge cases for Broadbench clients. They're the norm.
Arun Sahota is a UK-regulated Private Wealth Partner at Skybound Wealth, working with high-net-worth individuals, business owners, and senior professionals whose financial decisions carry long-term consequences. He advises across pensions, inheritance tax, investment structuring, and long-term wealth planning - integrating everything into a single, coherent strategy rather than treating each area in isolation.
Whether you're inside or outside IR35, Arun helps you structure your remuneration and long-term savings in a way that's tax-efficient, compliant, and built to last - not just optimised for this tax year.
From SIPPs and SSAS planning to long-term cashflow modelling, Arun builds retirement strategies around what you actually want your future to look like - not a generic projection.
Business owners and self-employed professionals often hold significant assets with real IHT exposure. Arun works through the structures, timing, and tools available to protect what you've built for the people who matter.
Business owners and self-employed professionals often hold significant assets with real IHT exposure. Arun works through the structures, timing, and tools available to protect what you've built for the people who matter.
Life cover, income protection, and policies written in trust - Arun ensures the protection side of your plan is as considered as the wealth-building side.
Start with a focused conversation where you share your income structure, assets, and the questions you haven't had straight answers to yet. Arun gets the full picture before any recommendations are made.
Arun maps your position across tax, pensions, investments, and protection - identifying where decisions in one area may be creating avoidable consequences in another, and where real opportunities exist.
Together you settle on a long-term strategy. No product-led recommendations, no bias toward platforms or providers - just independent, whole-of-market advice built around your objectives.
Arun's guidance is supported by Skybound Wealth's global infrastructure - deep cross-border expertise, award-winning advisory standards, and the tools to support clients with significant and complex financial positions.
6,000+ international clients & growing$1.5 Billion of client savings under management32 Industry Awards & Counting Since 202111 offices on 4 continents & more opening soon.
If you've got questions about how this works for someone in your position, you're not alone. These are the ones Arun gets asked most.
IR35 determines whether HMRC treats you as an employee or a genuinely self-employed contractor. If you fall inside IR35, you lose access to certain tax-efficient ways of extracting income - including some of the most effective routes into pension contributions. That doesn't mean pension planning becomes impossible, but it does mean the strategy needs to change. Arun works with contractors on both sides of IR35 to find the most efficient contribution structure given their specific status, income, and long-term goals.
Business owners often have significant IHT exposure without realising it, particularly where personal and commercial assets are intertwined. The starting point is understanding exactly what your estate looks like and where the liabilities sit. From there, Arun works through the tools available: Business Relief, pension structuring, trust arrangements, gifting strategies, and life cover written in trust to meet any residual liability. The right approach depends on your specific asset mix, family circumstances, and long-term intentions for the business.
A SIPP (Self-Invested Personal Pension) is an individual pension that gives you wide investment choice and tax-efficient growth. A SSAS (Small Self-Administered Scheme) is an occupational pension typically used by company directors and business owners - it offers additional flexibility, including the ability to lend money back to your business and hold commercial property directly. SIPPs suit most contractors and freelancers. A SSAS tends to make more sense where there's a limited company involved and a desire to use the pension as part of broader business planning. Arun will assess your structure and recommend whichever is appropriate, or explain if neither is the right fit.
Property adds a layer of complexity that many advisers treat separately from the rest of a financial plan, but Arun doesn't. Rental income affects tax planning. Property held personally versus through a company has different IHT implications. Mortgage structures interact with cashflow planning. Equity tied up in property affects how much liquidity you hold elsewhere. Arun looks at your full position, contracting income, pension, property, and any other assets, and builds a strategy that accounts for how each part affects the others.

Quarterly reviews, ongoing rebalancing, regular portfolio factsheets — we’re with you for the long haul, adjusting your plan as life evolves.

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