The £100k tax trap can cost more than you think

If your income goes above £100,000, you may face an effective 60%* tax rate and risk losing valuable allowances such as free childcare. NOVA’s qualified, in-house advisers can help you understand the impact and plan your options clearly.

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Capital at risk. *60% reflects 40% higher-rate Income Tax plus Personal Allowance withdrawal between £100,000 and £125,140

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Tailored challenges & solutions

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What the £100k tax trap really costs you

Many people don't realise they're in the £100k tax trap until their tax bill arrives. We'll help you understand what it could be costing you — and what could still be recoverable.
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Protecting free childcare and other allowances

Earning over £100k doesn’t just mean paying more tax — it can also trigger the loss of free childcare worth thousands a year. We help you plan holistically, not just around your tax return.
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Strategies built around your income

Whether you're a salaried employee, a director, or a high earner with variable bonuses, there may be ways to reduce your exposure — and our advisers can help you find the right fit.
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Who are we and why NOVA is different

At NOVA, we combine expert knowledge, intuitive tools, and human support to help you make confident financial decisions.

Tailored Advice
We've helped thousands of people create a tailored financial plan, geared to their goals.
Trusted Advisers
Our qualified advisers are highly rated by hundreds of clients, with proven 5-star reviews
Free Consultation
Get started with a no-obligation consultation, completely free of charge.

How it works

1

Tell us about yourself

Answer some simple questions about your financial situation, it only takes a few minutes. Your information is confidential, encrypted and stored securely by us.

2

Get up and running

We'll contact all your pension and account providers, finalise your plan and get you started.

3

Speak to an adviser

We'll show you how you're doing, and how you could be doing better — with expert advice from qualified financial advisers.

4

Stay on track

We'll work with you to make sure your finances are on track to meet the goals you care about.

Our people: real connections and meaningful results

Our experts work behind the scenes, supported by a team of over 100 qualified professionals, guiding you with clarity, care, and dedication.

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Lauren guides her clients to turn their financial goals into reality, providing straightforward, human guidance to support them to live the lives they dream of.

Lauren O'Loughlin

Partner & Financial Adviser

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Chris is driven by the human side of finance, working closely with clients to align their money with their goals and values. He offers the honest, proactive advice to help navigate life’s transitions with total peace of mind.

Chris O'Connor

Partner & Financial Adviser

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Ella focuses on making money a tool for a meaningful life, providing the expert, approachable guidance required to bridge the gap between financial planning and personal fulfilment.

Ella Killen

Partner & Financial Adviser

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Mai is part of our planning team, the expert engine behind our advice process. She translates complex financial data into actionable strategy, ensuring every plan we produce is built on a foundation of technical excellence and tailored to our clients' unique goals.

Mai Dinh

Chartered Financial Planner

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Anthony leads our Engineering team - building the secure, innovative technology that powers our advice, ensuring our clients’ data is protected and our team has the cutting-edge tools they need to deliver excellence.

Anthony Panagi

Head of Engineering

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Elliot leads our Operations and Customer Success teams, focussed on making every client journey seamless and supported. They ensure we have the operational excellence and dedicated care required to turn clients' financial plans into a stress-free reality.

Elliot Valentine

Operations and Customer Success

Our clients love us. And we're sure you will, too.

More reviews
A revolution in wealth management. It's refreshing to leave a meeting with clarity about how your money will work for you, understanding your security for the future and trust that the decisions made are for your benefit.

Robin Belither - UK

Brilliant service which left us feeling confident we knew the facts and were making an informed decision. Cannot recommend highly enough. Thanks!

Jonty Scott - UK

They've changed our whole perception of wealth management and financial advice, giving us clarity, peace of mind, total confidence and superb financial outcomes to date.

Thomas Heath - UK

They have found gaps in my planning my previous adviser had missed... made use of tax and investment opportunities, have gone above and beyond in sorting out one of my mortgages, all whilst saving me a small fortune in fees.

Hugo Jacobs - UK

Frequently Asked Questions

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It starts with a simple conversation