Hi there, just looking for some advice on whether it's beneficial enough for me to go limited or stick as a sole trader. Also if I am actually IR35 compliant, I'm unsure.

I work in content creation with minimal expenses other than fuel, maybe £5-7k a year. Profits after expenses are around £75,000. Last year was around £50,000 so I'm starting to dread how much my tax
is going to jump up to.

I don't currently have a pension, I'm 27, that's something I have been waiting until I made this decision. I'm about to complete on a home purchase and that's why I'm considering going LTD since I have a mortgage now.

I'm not too fond of having most of my money surplus in a company that I can't do too much with other than the great pension relief schemes but if it's really going to be that tax-efficient I may be inclined. I quite like the freedom of being able to buy things for my hobbies and go on holidays without much financial thought, but that freedom does obviously cost me a lot in tax.

Lastly, I work almost as a contractor for a client 5 days a week, every week, but I still have a second regular client once every fortnight as well as a few other 'one off' projects sprinkled throughout the year. But 90% of my work/income is from one company, which is based in the US. Am I IR35 compliant here? It seems a bit of a grey area.

Many Thanks,