Personal Tax
Personal tax advice for UK individuals and directors.
Income tax, dividend strategy, pension allowances, and HMRC enquiries. Proper planning for directors, landlords, high earners, and anyone with income that doesn’t fit neatly on a P60.
What's covered
- Income tax review and planning
- Director salary and dividend strategy
- Pension allowance modelling
- High Income Child Benefit Charge
- HMRC enquiries and disclosures
What we handle on the personal tax side.
The work splits into two halves: keeping your annual returns clean and on time, and planning ahead so the tax bill is as low as it legitimately can be.
Self Assessment
SA100 return preparation and filing, with all the relevant pages: employment, self-employment, dividends, property, foreign income, and capital gains.
Director Remuneration
The right mix of salary, dividends, and pension for owner-managed companies, modelled against current rates and your wider income.
High Earner Planning
Personal allowance taper, tapered annual allowance, and the £100k–£125k effective 60% band. Pension contributions, salary sacrifice, and gift aid used properly.
Landlord Tax
Property pages, mortgage interest restriction (Section 24), allowable expenses, FHL rules, and choice between personal ownership and limited company structures.
Foreign Income
Overseas earnings, dividends, rental, and pensions. Double tax relief, remittance basis where it applies, and the right disclosure of foreign assets.
HMRC Enquiries
Compliance checks, information notices, and voluntary disclosures handled directly with HMRC so it doesn't land on your desk. WDF and Let Property Campaign included.
Who personal tax advice helps most.
Standard PAYE rarely needs much help. These are the situations where proper advice usually pays back several times over.
- Owner-Managers
Company Directors
Limited company owners drawing a mix of salary and dividends, balancing personal and corporate tax across the year.
- Optimal salary and dividend split
- Pension contribution strategy
- Director's loan account reviews
- Most In Demand
High Earners and Professionals
Income approaching or above £100,000 where allowances taper and the marginal rate jumps sharply between £100k and £125k.
- Recover the personal allowance
- Tapered annual allowance modelling
- Gift Aid and charitable planning
- Property Investors
Landlords and FHL Owners
Buy-to-let portfolios, furnished holiday lets, and accidental landlords navigating Section 24 and ongoing rule changes.
- Property page preparation
- Structure review and incorporation
- Let Property Campaign disclosures
How we approach your personal tax work.
01 — Review
Look at the full picture
All income sources, prior returns, structures, and family position. Most planning ideas come from this stage.
02 — Plan
Identify the moves
Pension, salary, dividends, timing of disposals, and use of allowances. Recommendations modelled in numbers, not just principles.
03 — Prepare
Draft the return
SA100 prepared in full with the workings, so you can see how every figure ties back to the underlying records.
04 — File
Submit and check
Filed well before 31 January, with HMRC's response checked against expectations and any statements reconciled.
- Common Questions
Frequently asked questions about UK personal tax
Who needs personal tax advice in the UK?
What's the most tax-efficient way for a director to pay themselves?
It depends on your full income picture, but for most owner-managed companies the answer is a small salary up to the NIC threshold combined with dividends. We model it for your situation rather than applying a rule of thumb, because the right mix shifts with thresholds and dividend tax rates each year.
I earn over £100,000. What should I be watching out for?
The personal allowance tapers by £1 for every £2 of income above £100,000, so the effective marginal rate between £100,000 and £125,140 is around 60%. Pension contributions, salary sacrifice, and charitable giving can pull income back below that threshold and recover the allowance.
Do you handle HMRC enquiries and investigations?
Yes. We deal with HMRC correspondence directly, prepare any disclosures, respond to information notices, and represent you through compliance checks. If we already prepare your returns, this is part of the ongoing relationship rather than a separate engagement.
Can you help with pension and ISA allowances?
Yes, from a tax perspective. We model the tax relief available on pension contributions, including carry forward of unused allowance from previous years, and the impact on tapered annual allowance for higher earners. We don’t sell pension products, so the advice is purely on the tax side.
- Related tax services
Capital Gains Tax
Property, share, and crypto disposals calculated and planned alongside your income tax position.
Corporate Tax
For directors, the company's CT bill and your personal tax are usually optimised together.
Tax Returns
Annual SA100 self-assessment filing for individuals, directors, and landlords.
Want a second opinion on your personal tax?
Book a free 30-minute call. Tell us your situation and we’ll tell you where the savings usually are.