Personalised Tax Planning (Tailored Advice)

What personalised tax planning covers

Practical, tailored advice based on how you actually earn money and take income from your business. This typically includes:

• A review of your current income sources (salary, dividends, self-employed profit, property, investments).
• Identifying reliefs and allowances you may be missing.
• Salary and dividend planning for director shareholders.
• Planning for payments on account and upcoming tax liabilities.
• Guidance on legitimate business expenses and record keeping.
• Pension contribution planning and other longer-term options.
• Timing decisions (when to invoice, pay bonuses, or invest) to manage tax and cash flow.
• Considering VAT, National Insurance, and CIS implications where relevant.

When this service is most useful

This is a good fit if you:

• Have profits rising and want to take money out more efficiently.
• Are moving between sole trader and limited company, or thinking about it.
• Have more than one income stream and want a joined-up plan.
• Want to stop reacting at year-end and start planning through the year.
• Are expecting a one-off event (large contract, bonus, asset purchase, sale of a business).

How the planning is delivered

The process starts with understanding your current position and what you want to achieve. You will be asked for key figures and documents, then the options are modelled in plain English so you can make decisions confidently.

You receive clear actions to take now, what to monitor over the year, and what to set aside for tax. Where needed, the plan is aligned with your bookkeeping and existing compliance work so it stays practical.

What happens after the plan

Tax planning works best when it is kept live. You can review the plan as your numbers change, update forecasts, and check decisions before you commit, so you stay compliant and avoid last-minute fixes.