Keep more of what your business actually earns.
Most small business owners find out what their tax bill is around the time HMRC expects payment. That is a late point to start thinking about it. Tax planning works by reviewing your position throughout the year — salary, dividends, allowances, timing — so the number is known well in advance and reduced where it legitimately can be. Fixed fee, AAT Licensed, reply within one working day.
- Your Corporation Tax liability known months before it falls due
- Salary and dividend structure reviewed for your specific circumstances
- Allowances and reliefs identified before the year-end window closes
- No surprise bills — you know what to set aside and when
No long-term contract. If it is not working after three months, you leave with your tax position clearly documented and nothing owed.
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Scoped to your situation. Reply within one working day.
What our clients say
★★★★★
Fixed Mistakes, Saved Thousands
“She has fixed so many lazy, unprofessional mistakes by my old accountant by being so meticulously thorough, offering amazing business advice & has saved me thousands.”
★★★★★
Changed How Accounting Should Work
“She opened my eyes to how an accountant actually should work with you.”
★★★★★
Process Made Smooth and Clear
“Her step-by-step guidance and clear communication made everything easy to follow, even for someone who does not naturally “speak accounts.””
★★★★★
Mind at Ease from Day One
“The support and advice I have had has been extremely helpful and has set my mind at ease knowing that any problems or queries I have will be handled or answered.”
Still not sure what your tax bill is going to be this year?
Most small business owners only think about tax when the accountant sends a figure they were not expecting. By then, the options are limited. Salary structure has already been set. Allowances may have been missed. The money has already moved. Tax planning only works when it happens throughout the year — not as an afterthought in March.
- Corporation Tax bill arriving as a surprise, with no time left to plan around it
- No clear view of whether your salary and dividend split is actually efficient for this year
- Year-end passes and only then does anyone mention allowances you could have used
What planned looks like
With the right review in place across the year, the tax bill stops being a surprise and starts being a managed number. The decisions that affect it — structure, timing, allowances — are made while there is still time to make them properly.
- Corporation Tax position reviewed quarterly, so the figure is known long before it is due
- Salary and dividend mix assessed at the start of the year and revisited if your income changes
- Allowances and reliefs identified before year-end — not spotted six months after the window closed
- Fixed, scoped fee — no hourly billing, no invoices you were not expecting
What clients say about working with Annabel
Two perspectives from clients who came looking for better financial oversight and left knowing exactly where they stood with their money.
I switched accountants to work with Annabel because I felt she truly cared about helping businesses to take control of their finances. She opened my eyes to how an accountant actually should work with you! She has fixed so many lazy, unprofessional mistakes by my old accountant by being so meticulously thorough, offering amazing business advice & has saved me thousands! She even went through my dad’s accounts who had been through liquidation & had a really tough time just because she cared & wanted to see if she could help. I 100% trust Annabel & she proves time & time again why it was the best move for my business to switch to her. I highly recommend her to anyone who is looking for someone who genuinely cares, who is meticulously thorough & offers great advice!
I have recently had the pleasure of the wonderful service of Annabel, appointed as my bookkeeper and accountant. Having never been self employed or a limited company before, the support and advice I have had has been extremely helpful and has set my mind at ease knowing that any problems or queries I have will be handled or answered. Friendly, supportive and very quick to respond to any queries or sort advice. I would 100% recommend.
Tax planning that runs across the year
Not a one-off review at year-end. A structured approach to your tax position that runs alongside your accounts, so the decisions are made when they can actually make a difference.
Corporation Tax Planning
Your Corporation Tax position is reviewed throughout the year, not just when the accounts are being prepared. You will know your liability well before it falls due, with time to manage cash flow accordingly. Timing decisions, capital allowances and reliefs are considered as they arise — not in retrospect.
Included in year-end scopeSalary and Dividend Optimisation
For limited company directors, how you extract profit from the business has a direct effect on both personal and corporate tax. The most efficient split depends on your total income, other sources, pension contributions and the current thresholds. This is reviewed at the start of each year and revisited if your circumstances change.
Advisory — scoped per clientPersonal Tax Planning
Self-Assessment is the compliance part. The planning part is working out what you can legitimately reduce before the year closes. Pension contributions, allowable expenses, timing of income — these are the levers that are only useful if they are pulled before the year-end, not after.
Advisory — scoped per clientConsistent results across different situations
Clients come from different backgrounds and different points of difficulty. The common thread is the same — they leave knowing more and paying less than they expected.
Saved Thousands Through Meticulous Thoroughness
“She has fixed so many lazy, unprofessional mistakes by my old accountant by being so meticulously thorough, offering amazing business advice & has saved me thousands!”
Smooth Switch, Clear Communication Throughout
“Working with Annabel has been fantastic. She has made the whole process of changing accountants so smooth and stress-free. Her step-by-step guidance and clear communication made everything easy to follow, even for someone who does not naturally “speak accounts.””
Support That Sets Your Mind at Ease
“The support and advice I have had has been extremely helpful and has set my mind at ease knowing that any problems or queries I have will be handled or answered.”
Not just filing on time — planning ahead
The compliance side is a given. The difference is whether your accountant is thinking about your tax position before the year ends or after it.
Planned Before the Year Closes
Tax planning only has value when it happens while there are still decisions to make. Annabel reviews your position throughout the year — not in a scramble after the year-end. Allowances, timing and structure are addressed when the window is still open.
16 Years Inside Real Businesses
Annabel has worked at a strategic level inside real businesses — not just processed numbers from a distance. That means the advice on salary structure, profit extraction and timing comes from someone who understands how a business actually operates, not just what HMRC requires.
Plain English, Every Time
Tax legislation is complicated enough without your accountant making it harder. The advice you receive will be clear — what the options are, what each one costs, and what the recommendation is. No jargon, no overwhelming reports.
Up and running in three steps
The process is straightforward. Most of the work happens on our side — you answer a few questions and we take it from there.
Free discovery call
A free 20-30 minute call with Annabel. She asks about your current setup, your structure and what your tax position looks like at the moment. No scripts, no pitch. You get honest feedback on whether there is anything worth addressing, whether you proceed or not.
Scoped proposal
A proposal written for your specific situation — not a template package. It covers what is included, what the fee is and what happens next. No surprises on the invoice later.
Hands-on and running
Once you are onboard, Annabel takes the admin off your plate. If there is a transition from another accountant, that is handled by us. Your records are brought current and reviewed from the start.
Your tax position, visible
The bill is no longer a surprise. You know what to set aside, what has been planned for and what the options are for the months ahead. Considerably less to think about than before.
“Working with Annabel has been fantastic. She has made the whole process of changing accountants so smooth and stress-free. Her step-by-step guidance and clear communication made everything easy to follow, even for someone who does not naturally “speak accounts.” Annabel’s energy, passion, and genuine desire to help people understand their business finances really shine through in everything she does. Her support and knowledge have been superb, and I now see her as a vital part of my business and its continued growth. Thank you, Annabel, for all your help; you truly live up to your company name!”
Things people usually ask before getting started
Is tax planning the same as year-end accounts — or is it something separate?
They are related but distinct. Year-end accounts record what happened. Tax planning is about making decisions before the year closes so the outcome is better than it would otherwise have been. Ideally both run together — the accounts give you the numbers, the planning uses those numbers to inform decisions on timing, structure and allowances before the window shuts.
What does tax planning cost, and is it included in the standard fee?
Fees are scoped per client following the discovery call — there is no published pricing because the right scope depends on your structure, how complex your income is and what planning work is genuinely warranted. Some tax planning sits within the year-end scope; advisory work on salary, dividend structure or cash flow forecasting is scoped separately. You will know the figure before anything is agreed.
My books are behind and I have no idea what my tax position looks like — can you still help?
Yes, and it is a common starting point. Before any planning can happen, the records need to be current — that is usually the first step. Annabel will assess the catch-up work required and include it in the proposal so you know what it costs to get to a clean position. From there, the planning work can begin properly.
Is there a long-term contract, or can I leave if it is not working?
No long-term contract. If you decide it is not the right fit, you leave with your books in order and nothing outstanding. The aim is that clients stay because the work is useful, not because leaving is difficult.
How far in advance should tax planning actually start?
For most small businesses, the meaningful decisions sit in the six to nine months before year-end — salary decisions, pension contributions, capital purchases, profit extraction timing. Earlier is better, but even three to four months out there is usually something worth reviewing. The discovery call will give you an honest read on where you currently stand.
How much can tax planning realistically save for a small limited company?
That depends entirely on your structure, profit level and what decisions have already been made. The honest answer is that it varies — and anyone quoting a specific saving before reviewing your numbers is guessing. What can be said is that an unreviewed salary-dividend split, missed allowances or poorly timed profit extraction can cost more than the planning work itself. The discovery call is the right place to assess whether there is a material saving available in your case.
Related services you may want to look at
Stop finding out your tax bill after the fact.
A free discovery call with Annabel. No scripts, no pitch. You leave knowing what your tax position looks like and what, if anything, is worth doing about it before the year closes.