Personal Tax Planning Services

Personal Tax Planning Services help individuals structure their income, assets, and allowances efficiently to reduce their tax liabilities within legal limits. These services are ideal for employees, sole traders, landlords, retirees, and high earners who want to minimise unnecessary tax and ensure they meet HMRC obligations with confidence.
 

What Personal Tax Planning Services Includes

• Income tax planning and use of personal allowances
• Capital gains tax planning and timing strategies
• Dividend and investment income structuring
• Pension contribution and tax relief analysis
• Rental income tax optimisation
• Use of the marriage allowance and other personal reliefs
• Inheritance tax planning information (non-advisory)
• National Insurance efficiency planning
• Review of tax-efficient savings options (e.g. ISAs)
• HMRC-compliant recordkeeping and submission support
   

Why Personal Tax Planning Services Matter

Effective tax planning ensures individuals don’t pay more tax than necessary. It helps identify the right timing for income, use of reliefs, and structuring of assets to take advantage of allowances and avoid penalties. It also saves time and stress, providing peace of mind around compliance, while helping clients retain more of their income for personal goals or reinvestment.
 

The Current Landscape (With Stats)

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Sources: HMRC, ONS
 

Who Needs Personal Tax Planning Services

• Self-employed individuals and sole traders
• Landlords with taxable rental income
• Retirees drawing from pensions and investments
• High-income earners approaching the £100k+ thresholds
• Company directors taking a mix of salary and dividends
• Couples looking to transfer allowances or equalise income
• UK residents receiving foreign income
   

Common Problems Personal Tax Planning Services Solves

• Missing out on personal allowances or reliefs
• Paying capital gains tax unnecessarily due to poor timing
• Overpaying income tax or National Insurance through inefficient income structures
• Not understanding how dividends, pensions, and rental income are taxed
• Being unsure how to prepare for HMRC’s Self Assessment or make tax-efficient contributions
   

How We Deliver Personal Tax Planning Services

We provide practical, HMRC-compliant personal tax planning guidance tailored to each client’s situation. We work with sole traders, employees, landlords, and retirees to optimise their tax position using the latest legislation and allowances. Our service includes:

• One-to-one personal tax planning consultations (online or in person)
• Review of income, investments, and existing tax structures
• Guidance on how to arrange income tax efficiently (non-investment advice)
• Support for recordkeeping, MTD readiness, and annual Self Assessment preparation
• Ongoing availability to answer HMRC-related tax questions and review new opportunities
   

Key Insights from Leading Sources

• Only around 44% of UK taxpayers fully understand their available allowances, according to a recent AAT study. Our planning helps clients make use of these allowances efficiently.
• Capital Gains Tax receipts have soared, in part due to lack of proactive tax planning. Many individuals pay more than necessary by not using their annual CGT exemption or splitting gains across tax years.
• Taxpayers with income over £100,000 face a 60% effective marginal tax rate due to personal allowance tapering. Structuring income or using pension contributions can help reduce this burden.
• The Accountancy Partnership notes that many landlords could reduce tax by properly claiming allowable expenses and structuring property ownership. We help identify such efficiencies.
• HMRC warns that failure to register for Self Assessment on time or inaccurate returns leads to significant fines. With our support, clients stay compliant and avoid penalties.
   

Is This Service Right for You?

If you're unsure whether you're making the most of your personal tax allowances, or if you find Self Assessment overwhelming, this service is ideal. We offer plain-language guidance to help you structure your income tax-efficiently, stay compliant, and keep more of your income. It’s also suitable if you're planning a significant financial decision and want to understand the tax implications before acting.
 

Ready to Take Control of Your Finances?

Contact Allied Financial Group today to discuss your Personal Tax Planning needs. Our experienced team will help you understand your current position and find legally efficient ways to manage your income and tax obligations. Book a consultation now and get clarity, confidence, and compliant peace of mind.

Frequently Asked Questions