Annual Accounts & Management Reporting
Year-end accounts prepared and filed for limited companies, sole traders and partnerships, plus management accounts that actually help you run the business.
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Services
Tax Planning
Most tax is decided before the year end, not after it. We plan ahead with you (salary and dividends, pensions, timing, capital gains, family circumstances) so you keep more of what you earn, entirely within the rules.
Paying the right amount, and not a pound more
Tax planning isn't a product you buy once; it's a discipline of reviewing your position before decisions become fixed. Because we already handle your accounts and returns, we see the opportunities as they arise, and flag them to you rather than waiting to be asked.
For business owners
- Salary vs dividends: the optimal remuneration mix, recalculated each year
- Pension contributions through the company, often the most efficient extraction route available
- Timing of income and expenditure around year ends and rate bands
- Family employment and shareholdings, done properly and defensibly
- Exit and succession planning: structuring years ahead so reliefs are actually available when you sell or hand over
For individuals
- Full use of personal, dividend, savings and capital gains allowances, including transfers between spouses
- Capital gains tax planning on property, shares and business assets, timing disposals and claiming the right reliefs
- Pension and gift aid relief, especially around the £100,000 personal allowance taper
- Child benefit charge planning for higher earners
Our approach
We put a proposal in writing with the numbers shown: what you'd pay with no action, what you'd pay after, and what has to happen by when. No schemes, no grey-area products: just the rules, used well.
Common questions
Is tax planning legal?
Yes. Tax planning means using allowances, reliefs and structures exactly as intended: pension relief, the dividend allowance, spousal transfers, timing of income and gains. It is entirely different from aggressive avoidance schemes, which we neither use nor recommend.
Should I take salary or dividends from my company?
For most owner-directors the answer is a blend, and the optimal mix shifts as corporation tax bands, dividend rates and NI thresholds change. We recalculate it for you each year rather than recycling last year's answer.
When should I start planning for a business sale?
Ideally two or more years out. Reliefs like Business Asset Disposal Relief have qualifying conditions that must be met over time, and structure changes made too close to a sale can be ineffective. The earlier we talk, the more options exist.
Other services
Bookkeeping & Cloud Accounting
Day-to-day bookkeeping done for you in Xero, QuickBooks or Sage: accurate records, reconciled bank feeds, and numbers you can trust.
Learn more →Self Assessment Tax Returns
Personal tax returns prepared, checked and filed, with every allowance claimed and no January panic.
Learn more →Corporation Tax & Business Tax
Corporation tax compliance, IR35 advice, R&D relief and capital allowances, plus a calm, experienced hand if HMRC ever comes asking.
Learn more →VAT Returns & Advice
Quarterly VAT returns prepared and filed under Making Tax Digital, the right scheme for your business, and someone in your corner on the grey areas.
Learn more →Payroll & Workplace Pensions
Payroll run accurately and on time, RTI submissions handled, and auto-enrolment pension duties kept compliant, for one employee or fifty.
Learn more →Company Formation & Secretarial
Company formations done right first time, plus confirmation statements, registers and Companies House filings kept quietly up to date.
Learn more →Making Tax Digital
MTD for Income Tax is live: digital records and quarterly updates for sole traders and landlords. We make the whole thing invisible to you.
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