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Smart tax planning, not creative accounting.

Proactive tax planning across income tax, dividends, CGT, and inheritance — keep more of what you earn, legally.

What's included

  • Annual tax planning review with written recommendations
  • Pension contribution and carry-forward analysis
  • EIS / SEIS investment advice
  • Capital Gains Tax timing and Bed-and-ISA strategy
  • Inheritance Tax planning (gifts, trusts, life insurance)
  • Salary sacrifice and benefit-in-kind optimisation
  • Spouse and family income planning

There’s tax mitigation, and there’s tax avoidance. We do the first; we don’t touch the second.

Most over-paid tax happens not from missing exotic schemes but from missing the basics — pension top-ups, the right pension carry-forward, EIS investments timed properly, gifts using the annual exemption, dividend timing across tax years. We sit down once a year, look at the year ahead, and put a plan in place.

The questions we get asked

Common questions.

If yours is not here, ring us. We answer in four rings on weekdays and write back the same day on emails.

01 Do you do aggressive tax avoidance schemes?
No. We stay well within the rules — pensions, ISAs, EIS/SEIS, gift allowances, business reliefs, sensible structuring. The wins are in using existing reliefs properly, not in clever schemes that HMRC will challenge.
02 When should I think about tax planning?
Ideally throughout the year, but at minimum a couple of months before each tax year-end (5 April). The biggest wins — pension top-ups, EIS investments, dividends timing — need to be done by then.
03 How much can you actually save me?
Honestly, it depends on your situation. Average across our clients is in the high hundreds to low thousands per year. We'll review your last two returns and tell you what we'd have done differently — and how much it would have saved.
Next step

Want a fixed fee for this? in writing.

Twenty minutes on the phone. We will say what is sensible, what you can skip, and what it costs, before any work starts.

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