Private Clients

By the time we're completing your tax return for you it's usually too late to do anything to minimise your current year tax. The best we can do is help you plan better for next time.

With our personal tax planning service we're available for advice throughout the year - so you can be sure of the tax implications of any decisions you need to make and what you can do to save money.

We then meet up a few months before the end of the tax year for a more comprehensive review of your tax position. This gives time to put plans in place and take action before year end.

Many taxpayers struggle to understand the complex self-assessment process and complete their returns correctly. Ongoing changes to tax legislation only make things worse; as does the fact that a lot of people's tax affairs are more complex than they were before.

We offer a full self-assessment tax return service - however complex your tax affairs:

• Employment Income
• Dividend income
• Property Income
• Capital Gains
• Savings Income
• Pensions Contributions

We save you time and worry by handling your self assessment for you. We do all the necessary computations, complete your return, and even offer advice on how you can minimise your tax liability.

We can also act as your agent, dealing directly with the Inland Revenue for you. And should you be selected for a tax enquiry we can help represent you.

The earlier you make arrangements the greater your opportunities for tax planning.

We can guide you through the options available to you:

• To make full use of the exemptions and lower tax rates on lifetime transfers.
• Optimising lifetime transfers between spouses.
• Transferring agricultural or business property.
• Transferring assets into trusts.
• Ensuring life assurance cover is adequate to cover potential inheritance tax liabilities.

It's equally important when planning to transfer your estate that you make adequate provision for you and your spouse in later years. We review this with you and help get the balance right.

HMRC is carrying out more tax enquiries and compliance checks than ever before - often selected at random. If this happens to you, you will need to prove that any suspicions are unfounded. You'll be required to answer detailed questions about your personal tax and enquiries can drag on for several months. Without tax investigation cover, professional fees can come to hundreds or thousands of pounds.

We don't want you to have to worry about this, so can include a service under which, in the event of an HMRC enquiry or inspection:

• We represent your case with HMRC, saving you the hassle, without any additional cost to you.
• If the case is complex, we have free access to specialist tax advisers (including former HMRC inspectors) so that you have the best possible defense.
• If matters progress further, you won't be charged for most professional costs in defending you.

Most importantly, this means that you'll never have to concede to HMRC's demands because of financial pressures.