Tailored Sole Trader Packages
Personal Tax & Self-Assessment Accountants in Chester
Expert tax return services for company directors, high earners, and investors. We make filing your Self-Assessment simple, accurate, and completely stress-free—ensuring you claim every allowable relief and never overpay HMRC.
Stress-Free Personal Tax Returns
Navigating the UK tax system can be a minefield. Whether you have recently become a company director, sold a valuable asset, or simply have multiple streams of complex income, getting your Self-Assessment wrong can lead to HMRC penalties.
At Phillips & Co, our Chester-based personal tax accountants take the burden entirely off your shoulders. We handle the entire process from start to finish—gathering your records, calculating your exact tax liability, and filing the return on your behalf well ahead of the January 31st deadline.
Standard Tax Return Filing
Ideal for employees, pensioners, and those with standard UK dividend or basic investment income streams today.Complete personal SA100 tax preparation.
Full review for basic allowable reliefs.
Official SA100 return submitted to HMRC.
Complex High Net Worth Tax
For highly complex situations requiring specialist tax calculations, property disposal reporting, and planning.Capital Gains Tax and property disposal.
High-Income Child Benefit tax reporting.
Foreign income & trust tax declarations.
Director Wealth Extraction
A one-off comprehensive review of your wealth extraction strategy to ensure you never overpay HMRC on profits.Complete review of business structuring.
Optimised salary and dividend splitting.
Legal reduction of personal liabilities.
Trusted by Chester Partnerships & LLPs
We are proud to be the trusted tax accountants for multi-partner businesses across the North West, building clear and lasting financial partnerships.
★★★★★
Caught between a rock and a hard place with my timeline to get my self-assessment over the line, they managed it before the deadline while saving me money. Prompt and accurate, they deliver an impeccable service, which I highly recommend.
Damien Mason,
Liverpool
★★★★★
I was reluctant to switch from my bookkeeper but needed an accountant for my limited company accounts. Making the leap to Phillips & Co was the right decision. Their team made the entire process painless and have been very patient, professional, and clear.
Christina Saunders,
Chester
★★★★★
I am absolutely made up with the service and attention to detail by Mark and Terry. They pay meticulous attention to every tiny query I have and are very good with evaluation and solutions at every step, delivering noticeable savings and greater efficiency.
Stephanie Lobo,
Chester
In-Depth Package Breakdowns: Exactly What You Get
We believe that expert personal tax accounting should be completely transparent. When you choose Phillips & Co, you are not just paying for a tax return—you are gaining a dedicated financial safety net. Explore the comprehensive breakdowns below to see exactly how we protect your wealth.
The Standard Individual Return (£295 Fixed Fee)
Ideal for employees (PAYE), pensioners, or those with standard UK-based dividend or investment income who want total peace of mind.
Full Tax Computation: We take your raw financial data (P60s, P11Ds, dividend vouchers) and calculate your exact personal tax liability, ensuring flawless mathematical accuracy.
Basic Relief Optimisation: We rigorously review your position to ensure you are claiming all allowable basic tax reliefs, such as charitable donations or standard pension contributions.
Official HMRC Submission: We prepare your complete SA100 return and file it directly with HMRC via our secure agent portal well before the January 31st deadline, guaranteeing zero late penalties.
Clear Payment Guidance: We provide a plain-English, jargon-free summary explaining exactly what you owe to HMRC and precisely how and when to pay it.
Complex & High Net Worth Returns (Custom Quote)
Designed for individuals with highly complex tax situations requiring specialist calculations, multi-stream income reporting, and strategic tax planning.
Capital Gains Tax (CGT): If you are selling a second home, a buy-to-let property, crypto-assets, or shares, we calculate your exact CGT liability, apply your annual exempt amount, and submit your mandatory 60-day property disposal reports to HMRC.
High-Income Child Benefit Charge (HICBC): If your individual income exceeds £50,000 and your household claims Child Benefit, we manage the complex HICBC calculations to ensure you remain fully compliant without overpaying.
Foreign Income & Domicile: We report and manage complex overseas income streams, ensuring double taxation treaties are applied correctly so you are not taxed twice on the same revenue.
Trust & Investment Portfolios: Expert handling of complex trust income, large-scale dividend portfolios, and sophisticated wealth-generation streams.
Director Wealth Extraction (£495 Fixed Fee)
Stop paying for our time, start paying for results. If you are a company director, taking a standard salary and dividend mix might not be the most tax-efficient strategy anymore.
Comprehensive Structure Review: This is a deep-dive, one-off review of your entire business structure and personal wealth extraction strategy.
Salary vs. Dividend Optimisation: We run the exact numbers on your current corporate profits to find the mathematically perfect split between your PAYE director’s salary and your dividend payouts, keeping you below higher-rate tax thresholds wherever legally possible.
Actionable Tax Strategy: We provide a clear, step-by-step roadmap to legally minimise your personal tax liabilities, ensuring you retain maximum wealth from the business you have worked so hard to build.