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• Our Services: Personal ••
Personal
Overall Service
Whether you are employed, self-employed, a shareholder or director, an element of planning in your finances is required.
You may want to maximise your income, build your capital, establish future security through pensions planning or just guarantee that you do not pay any more tax than is absolutely necessary.
Your need may be for a single chat about one particular matter or several meetings to plan your finances. It may be for ongoing advice or the provision of a range of services. It may even be that you wish to go in a different direction e.g. employed to self-employed. Whatever you want can be provided within the basic guaranteed pattern:
• Initial Exploratory Meeting – FREE
• Additional Meetings/Services – Agreed Fee at outset
• Hotline to Partner/Client Manager/Staff – FREE
• Tax Fee Protection Arrangement
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Financial Health Check
We will review with you all aspects of your income and expenditure and provide you with a numerical picture of your current personal finances.
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Personal Budgeting
This service will show you how you can keep track of your income and expenditure on a regular basis and what to do if things change.
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Retirement Planning
Even although it may be some time in the distance, your retirement needs an element of planning to it and the sooner you start the better. Your approach to personal budgeting may have to take this into account, your approach to investment and pensions may need to be examined or you may just want advice on the most tax-efficient way of buying an apartment in Spain! We can help you with this.
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Self-Assessment Tax Returns
Your tax return may be relatively straightforward or it may have many complications. Either way, you need to trust that the resulting tax charge will be correct and as low as possible. Our expertise will help ensure not only that the calculations are correct but also that account has been taken of every available tax relief and allowance to which you are entitled.
Your return will be sent to the Revenue on-line which minimises the paperwork involved and you receive exact detail about tax due by you or to you.
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Tax Investigation
The filing of tax returns with the Revenue is an automatic process these days and, because of this, the process of checking the returns has also been committed to computer systems. Your return can just as readily be ‘pulled’ for investigation by a random process as by specific scrutiny following a sophisticated analytical review. Either way, you will need professional assistance and we will give you this.
In addition, our tax fee protection product ensures that the cost of the investigation, however large or small, is covered by insurance.
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Tax Advice and Planning
You may need the answer to a particular tax question, you may require ongoing advice or you may want to add a planning element to your finances.
The advice may be required in relation to tax generally or to a particular aspect. These days, tax covers a multitude of sins including less obvious ones such as stamp duty, national insurance, VAT. Our service covers the full range so, whether you just want to ensure the correct tax code on your salary or wish to find the best way to deal with letting a property from a tax viewpoint, we can assist you.
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Inheritance Tax Planning
Most people wish to pay as little tax as possible and this extends to the potential liability on death. This has increased by stealth as the value of property in particular has moved steadily upwards. There are a number of steps which can be taken to minimise this situation, some simple and others more complicated. Our staff will guide you through these steps and make the necessary arrangements in conjunction with your lawyer.
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Pensions
We can calculate and keep track of the amount you can invest in your pension as well as assist in setting up the best arrangement for you through our network of connections.
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Mortgages
Our service will help you calculate the level of mortgage you can afford and what amount is likely to be made available by a mortgage provider, depending on your income level. We can then refer you to a reliable third party who will endeavour to find the best product for your particular circumstances.
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