Tax Advice & Planning
Pay the right tax, and not a penny more.
Good tax planning is mostly about timing and structure: how you take money out, when you buy, and how your business is set up. We look ahead with you, act as your agent with HMRC, and explain the choices in plain English.
Is this the right support?
- Company directors deciding the right mix of salary, dividends and pension
- Sole traders wondering whether to incorporate
- Landlords and property investors weighing up a company structure
- Anyone selling a business, property or shares and facing Capital Gains Tax
- Businesses that have had a letter or enquiry from HMRC
The work itself.
- Salary, dividend and pension planning for directors each tax year
- Sole trader versus limited company modelling, and the switch if it makes sense
- Capital Gains Tax on property, shares and business sales, including Business Asset Disposal Relief
- Year-end planning: timing of purchases, capital allowances and pension contributions
- Making Tax Digital for Income Tax: what it means for you and getting ready
- Acting as your HMRC agent, so letters and calls come to us
- Support with HMRC enquiries, compliance checks and penalty appeals
- Research and development tax relief claims, in partnership with BDO LLP
When to speak to a tax adviser
The best time is before a decision, not after it. These are the moments that most often save money:
- 01Before your company year endPension contributions, equipment purchases and bonuses can all be timed to reduce Corporation Tax.
- 02Before you take a large dividendSpreading income across tax years, or between shareholders, can keep more of it in a lower band.
- 03Before you sell property, shares or a businessReliefs such as Business Asset Disposal Relief and Private Residence Relief depend on how and when you sell.
- 04When profits growA sole trader with rising profits may be better off as a limited company, and the switch needs planning.
- 05As soon as HMRC writesEnquiry and compliance check letters have short deadlines; replying well first time matters.
Agreed before we begin.
Basic tax planning is included for our accounts and tax clients as part of the year-round service. Larger pieces of work, such as restructuring, a business sale or an HMRC enquiry, are quoted separately so you know the cost before we start.
What we'll need from you.
- A clear picture of your income, plans and goals for the next year or two
- Copies of any HMRC letters as soon as they arrive
- Details of any sale, purchase or change before it happens, not after
Four quiet steps.
- 01
Conversation
We learn what you earn, own and plan, and where tax is hitting hardest.
- 02
Options
We model the realistic choices and explain the trade-offs in writing.
- 03
Action
We put the agreed plan in place and handle the HMRC side.
- 04
Review
We revisit it each year, and whenever the rules or your plans change.
Worth asking.
A tax adviser looks at your income, business and plans, explains the tax consequences of your options and helps you choose the most efficient route within the rules. They also deal with HMRC for you, from routine correspondence to enquiries.
Basic tax planning is included for our accounts and tax clients. One-off advice, such as planning a property sale or incorporation, is quoted as a fixed fee before we start, so there are no surprises.
No. Tax planning means using the allowances and reliefs Parliament intended, such as pension contributions, the dividend allowance or Business Asset Disposal Relief, and timing things sensibly. We do not get involved in artificial schemes.
Before you act. Selling a property, taking a large dividend, buying a van or incorporating can all be planned to save tax, but much less can be done once it has happened.
You authorise us with HMRC, so their letters, calls and reminders come to us. We deal with them, check your tax accounts and tell you what, if anything, you need to do.
Yes. We review what HMRC has asked for, gather the information, reply on your behalf and negotiate where needed. Get in touch as soon as the letter arrives; deadlines in HMRC letters are short.
Basic tax planning is included for accounts and tax clients. Bigger projects, such as restructuring or a business sale, are quoted separately in writing first.
