As a business owner, director or high earner, managing your personal tax position isn’t just about meeting HMRC deadlines, it’s about ensuring you’re not paying more than you need to. With careful planning, you can reduce your overall tax bill, improve your financial position and keep more of your hard-earned income.

Why Tax Planning matters

If you’re relying on a mixture of salary, dividends, rental income or investments, your tax bill can quickly mount up. Without a strategy, you could be missing out on reliefs and allowances or structuring your income in a way that results in unnecessary tax.

At A4G, we help you take a proactive approach to your personal tax. That means:

  • Structuring your salary and dividends for maximum tax efficiency
  • Making the most of pension contributions, ISAs and other tax-free wrappers
  • Claiming allowances and reliefs you may be missing
  • Managing personal tax liabilities from rental income or investments
  • Planning for future income, retirement or selling a business

Personal Tax Planning Services

Our personal tax advice is always tailored to your goals, income sources and family situation. Services we offer include:

  • Tax-efficient salary and dividend strategy
  • Director remuneration planning
  • Capital Gains Tax mitigation
  • Pension and retirement planning
  • Tax return preparation and submission
  • Income planning for landlords and investors
  • Tax implications of marriage, children, and trusts

We work closely with you to ensure all elements of your tax plan work together, whether you’re growing your income, planning to retire or passing wealth to your children.

Common Personal Tax Planning Questions

Structuring the right mix of salary and dividends and timing payments appropriately can significantly reduce Income Tax and National Insurance.

Read our article here for some free advice. 

A pre-year-end tax review helps identify opportunities to use up allowances, make pension contributions or take dividends at the right time.

We can advise on allowable expenses, reliefs, and how to structure rental income across spouses or family members.

Why choose A4G for Personal Tax Planning?

30 years’ experience advising directors and business owners
Specialist tax advisers with up-to-date knowledge of HMRC rules
Integrated planning across your business and personal finances
Tailored advice you can act on, not just tick-box compliance

Related tax planning services

We don’t believe in a one-size-fits-all approach. Our tax planning service includes a tailored combination of personal and business support based on your goals and the current stage of your business journey.

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Pre-Year End Strategic Review

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