Tax Planning & Advice
Proactive, legal strategies to minimise liability and grow your wealth.
Is this you?
Who this is for
- You suspect you're paying more tax than you legally need to
- Your income is near a threshold — £50k, £100k, £125k — where marginal rates bite
- You've never had a year-end planning conversation, only a filing service
- You're thinking about exit, succession or passing wealth on
What's included
Handled end to end
- A full review of your last two years' returns for missed reliefs
- Year-end planning meeting before 5 April, while action is still possible
- Allowance optimisation: personal, dividend, CGT, ISA and pension contributions
- Remuneration planning for directors — salary, dividends, pension, benefits
- Income smoothing around the £50k and £100k cliff edges (child benefit, personal allowance taper)
- Written action plan — specific steps, deadlines and projected savings
How it works
Three steps, then it's off your desk.
Review
We map your income sources, structures and last two returns. Most reviews find something.
Plan
A written strategy with projected savings, ranked by effort and impact.
Act & repeat
We implement with you before year end — then review annually as rules move.
Why timing matters
Most reliefs die at midnight on 5 April: unused ISA allowance (£20,000), pension annual allowance (up to £60,000 with carry-forward), CGT annual exemption, and dividend planning all reset. Planning in March beats regretting in January. Figures are 2026/27 — they move every Budget, which is exactly why annual reviews pay.
Common questions
Tax Planning & Advice, answered.
No. We use reliefs and allowances Parliament created deliberately — pensions, ISAs, structuring income you already control. We don't touch aggressive schemes; they fail, and cost more than they save.
Above £100,000 your personal allowance tapers away — an effective 60% rate on income between £100k and £125,140. Pension contributions or timing income can often recover it entirely.
Often, yes. Side-income structure, expense claims, and pension interactions are exactly where employed people overpay without noticing.
A fixed fee agreed upfront. If we can't see savings or risk-reduction worth more than the fee, we'll tell you not to buy it.
Often paired with
Related services
Talk to us about tax planning & advice.
Your first consultation is free — no obligation, and a fixed fee quoted before anything starts.