Personal Tax & Self-Assessment
Accountants in Chester
Stop worrying about the January 31st deadline. Our ACCA-regulated team provides stress-free, highly accurate tax returns for company directors, landlords, and high earners—backed by clear, fixed-fee pricing and expert local guidance.
Tailored Personal Tax Solutions in Chester
Navigating UK tax law requires specialist expertise. Whether you are extracting wealth from a limited company, selling a second property, or managing high-income child benefit charges, we ensure complete accuracy, maximum tax efficiency, and zero HMRC headaches.
Self-Assessment Tax Returns
Accurate personal income calculations and complete HMRC filing for company directors, sole traders, landlords, and high earners (£100k+), eliminating deadline stress and penalties.
- ✓ Accurate multi-source income & dividend reporting
- ✓ Maximised allowable tax relief & pension contribution claims
- ✓ High Income Child Benefit Charge (HICBC) calculations
- ✓ Guaranteed HMRC filing well before the 31st January deadline
Company Director Tax Planning
Strategic wealth extraction strategies for business owners looking to draw profit tax-efficiently from their limited company while maintaining full HMRC compliance.
- ✓ Tax-efficient salary & dividend split optimisation
- ✓ Director Loan Account (DLA) tracking & review
- ✓ Optimised employer pension contribution strategies
- ✓ Proactive legal reduction of overall personal tax liabilities
Capital Gains Tax (CGT) Advice
Specialist CGT guidance and fast 60-day HMRC reporting for residential property sales, land disposals, stocks, crypto assets, and business sales.
- ✓ Mandatory 60-day UK residential property CGT return filing
- ✓ Strategic application of annual CGT allowances & exemptions
- ✓ Private Residence Relief (PRR) & Business Asset Relief claims
- ✓ Precise gain calculations to minimise final tax bill
Inheritance & Wealth Planning
Proactive estate planning and wealth structuring to protect family wealth, utilise annual gifting allowances, and reduce long-term Inheritance Tax (IHT) exposure.
- ✓ Comprehensive estate tax liability & threshold reviews
- ✓ Tax-efficient inter-spousal asset transfers & gifting strategies
- ✓ Business Property Relief (BPR) & trust guidance
- ✓ Long-term financial peace of mind for your family
Need help filing your Self-Assessment or planning your personal tax?
We offer transparent, fixed-fee personal tax returns from just £150 (No VAT).
Our Simple 3-Step Tax Return Process
Filing your personal taxes doesn’t have to be a confusing, paperwork-heavy nightmare. Our transparent approach removes the complexity entirely, ensuring maximum tax efficiency, 100% accuracy, and total peace of mind.
Effortless Document Collection
We provide a tailored personal tax checklist and a secure digital portal to upload your documents (P60, P11D, dividend vouchers, property statements), completely eliminating tedious paperwork.
- ✓ Tailored, simple checklist specific to your income sources
- ✓ Secure 24/7 digital document portal for quick uploads
- ✓ Zero paper shoeboxes or stressful manual admin
Careful Preparation & Review
Our ACCA-regulated accountants meticulously calculate your figures, applying all eligible personal reliefs, pension tax adjustments, CGT allowances, and allowable expenses to minimise your final bill.
- ✓ Rigorous double-check of every figure & allowance
- ✓ Maximised claims for pensions, Gift Aid & reliefs
- ✓ Expert review by dedicated UK tax specialists
Submission & Tax Guidance
We submit your Self-Assessment directly to HMRC well ahead of the deadline, providing a clear, jargon-free breakdown of your exact tax liability, key payment dates, and payment-on-account guidance.
- ✓ Guaranteed on-time digital filing with HMRC
- ✓ Plain-English summary of what you owe & when to pay
- ✓ No surprise tax bills or missed deadline penalties
Transparent, Fixed-Fee Personal Tax Solutions
We believe personal tax accounting should never come with surprise bills. Explore a brief overview of our transparent tax packages below, and click through to see the full breakdown.
Personal Tax Guarantee: Flat Rates — No VAT Charged On Our Fees
✓ Save 20% Out-of-Pocket: Unlike standard chartered accountancy practices, Phillips & Co does not add 20% VAT to individual fees. A £295 Self-Assessment return with us costs you exactly £295 — saving high earners, investors, and directors 20% out-of-pocket compared to standard VAT-registered firms.
Standard Tax Return Filing
(Individual SA100 Self-Assessment)
- ✓ Complete personal SA100 tax preparation & HMRC submission
- ✓ Full review for basic allowable reliefs & payment guidance
- ✓ Ideal for employees, pensioners, and dividend recipients
- × Excludes full sole trader accounts & rental property accounts
Complex High Net Worth Tax
(For High Earners, Investors & Crypto Traders)
- ✓ Complex Capital Gains Tax (CGT) & dividend reporting
- ✓ Foreign income declarations (4-Year FIG & TRF guidance)
- ✓ High-Income Child Benefit (HICBC) & trust tax reporting
- ✓ High-volume crypto/trading data reconciliation (from £150)
60-Day Residential Property CGT Return
(Stand-Alone Property Sale Tax Return)
- ✓ Mandatory 60-Day HMRC property disposal reporting
- ✓ Precise CGT liability & Private Residence Relief calculation
- ✓ Avoidance of strict HMRC late-filing penalty notices
- ✓ Seamless integration with your annual Self-Assessment
Director Wealth Extraction
(Strategic Personal Tax Advisory)
- ✓ Complete review of business corporate structuring
- ✓ Mathematically optimised salary, dividend & pension split
- ✓ Actionable roadmap for legal personal tax reduction
- ✓ Director Loan Account (DLA) tax optimisation
Important Service Notes
If you are an existing Director on one of our monthly Limited Company packages, your core SA100 personal tax return filing is already included in your plan. The £295 fixed fee applies to standalone individual clients.
The £295 Standard Return fee covers primary individual income (PAYE, pensions, dividends, savings). If you require full annual accounts preparation for sole trader businesses or property portfolios, please see our dedicated Sole Trader or Landlord packages.
All return filings include full advance calculation of your HMRC Payments on Account liabilities and formal reduction claims where applicable, avoiding cashflow shocks in January and July.