01244 220 062
Personal Tax & Self-Assessment Specialists

Personal Tax & Self-Assessment
Accountants in Chester

5.0 105+ Verified Reviews

Specialist personal tax compliance and advisory for company directors, high earners, property landlords, and self-employed professionals across Chester, the Wirral, and Liverpool. We make filing your annual Self-Assessment accurate, transparent, and completely stress-free—ensuring you claim every allowable relief with zero added VAT on our fees.

Request Your Fixed Tax Quote
Claim Every Allowable Relief
Zero Added VAT (Save 20%)
Official HMRC Agent Representation
Direct Senior ACCA Advice
HMRC Compliance & Self-Assessment

Stress-Free
Personal Tax Returns

Navigating UK tax legislation can be complex and demanding. Whether you have recently become a company director, disposed of a chargeable capital asset, or manage multiple independent income streams, accurate Self-Assessment reporting is essential to eliminate HMRC enquiry risks and late-filing surcharges.

At Phillips & Co, our Chester-based personal tax accountants handle your compliance from start to finish—gathering your financial records, calculating exact statutory liabilities, and submitting your SA100 return well ahead of the January 31st deadline with zero added VAT.

Personal Tax Guarantee: Flat Rates — Zero Added VAT

Save 20% Out-of-Pocket

Unlike traditional accountancy practices, Phillips & Co does not add 20% VAT to individual compliance fees. A £295 Self-Assessment return costs you exactly £295—saving high earners, investors, and company directors 20% out-of-pocket compared to standard VAT-registered firms.

Individual Compliance SA100 Filing

Standard Tax Return

Ideal for employees, pensioners, and individuals with standard UK salary, PAYE codes, dividends, or basic investment income.

£ 295 / Fixed Fee (No VAT)
  • Complete personal SA100 tax computation & return preparation
  • Comprehensive review of basic personal allowances & reliefs
  • Direct electronic submission through official HMRC agent gateway
  • Clear payment timetable and precise tax liability statement
Book Standard Return
High Net Worth & Multi-Stream Specialist Review

Complex High Net Worth Tax

For individuals with complex tax positions requiring multi-schedule computations, capital disposal reviews, and relief structuring.

£ 495 / From (No VAT)
  • Complex Capital Gains Tax calculations & loss relief pooling
  • High-Income Child Benefit Charge (HICBC) mitigation review
  • Higher-rate pension tax relief & gift aid reclamation claims
  • Unremitted foreign income, trust dividends & residency reporting
Book High Net Worth Return
Executive Remuneration Tax Diagnostics

Director Wealth Extraction

A bespoke strategic diagnostic evaluating your remuneration architecture to ensure you never overpay personal or corporate tax.

£ 495 / Fixed Fee (No VAT)
  • Full evaluation of company profits, cash flow & retained reserves
  • Mathematical modeling: optimal salary, dividends & pension splits
  • Mitigation of higher-rate 40% and additional-rate 45% tax bands
  • Director's Loan Account (DLA) & Section 455 tax exposure review
Book Director Wealth Review
Important Note for Limited Company Clients: If you are a Director on one of our ongoing monthly accounting packages, your primary Director Self-Assessment (SA100) return is already fully included within your monthly retainer. The standalone £295 fee applies solely to individual clients without an active monthly service package.
Verified Client Feedback

Trusted by Chester
Directors & High Earners

We are proud to serve as the trusted personal tax accountants for company directors, property investors, and high earners across Chester, the Wirral, and the North West—delivering strict deadline protection, allowable relief optimisation, and complete peace of mind with zero added VAT.

5.0 Star Rated (105+ Verified Client Reviews)
Self-Assessment

“Caught between a rock and a hard place with my timeline to get my self-assessment over the line, they managed it well before the deadline while saving me money. Prompt and accurate, they deliver an impeccable service, which I highly recommend.”

Damien Mason Liverpool • Verified Client
Director Accounts

“I was reluctant to switch from my previous bookkeeper but needed an accountant for my company accounts and personal tax return. Making the leap to Phillips & Co was the right decision. Their team made the entire process painless, patient, and clear.”

Christina Saunders Chester • Verified Client
Tax Advisory

“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 proactive with advice, delivering noticeable tax savings and greater commercial efficiency.”

Stephanie Lobo Chester • Verified Client
105+ 5.0-Star Google Reviews
Zero Added VAT (Save 20%)
ACCA Chartered Certified Oversight
Direct Senior Partner Access
Complete Transparency

In-Depth Service Breakdowns:
Exactly What You Get

We believe that personal tax compliance should be completely transparent, rigorous, and predictable. When you instruct Phillips & Co, you are not just purchasing a tax return—you are securing a dedicated ACCA chartered certified safety net across Chester, Wirral, and Liverpool with zero added VAT.

Individual Compliance

The Standard Individual Return

Ideal for company directors, PAYE employees with complex code adjustments, pensioners, and individuals with standard UK dividend or basic savings income.

£ 295
Fixed Fee (No VAT)
Scope Boundary: Standard pricing covers personal employment, director dividend income, and basic savings. Dedicated trade or property ledgers are managed under our specialised Sole Trader (£65/mo) and Landlord (£65/mo) packages.
Full Statutory Computation: We extract and reconcile your raw financial documentation (P60s, P11Ds, dividend vouchers, interest certificates), calculating your exact personal liability with audit-grade precision.
Allowable Relief Optimisation: Detailed analysis to confirm you claim all permissible personal deductions—including qualifying Gift Aid donations, professional membership fees, and higher-rate personal pension relief.
Direct HMRC Agent Submission: We draft your complete SA100 return and submit it securely via our professional HMRC gateway, providing immediate electronic filing confirmation.
Clear Payment Guidance: You receive an itemised plain-English tax summary outlining your final liability, reference numbers, and exact HMRC statutory settlement deadlines.
Payments on Account Management: We calculate upcoming interim tax payments and, if income drops in the following tax year, draft and submit formal reduction claims directly to HMRC.
Pension Carry Forward Review: We examine pension contributions against the annual allowance, utilizing unused allowances from the three previous tax years to mitigate higher-rate tax liabilities.
Multi-Stream & HNW

Complex & High Net Worth Returns

Designed for individuals with multi-stream investment portfolios requiring specialized schedule calculations, capital disposal filings, and strategic relief preservation.

From £ 495
Fixed Quote (No VAT)
Capital Gains (CGT) & Digital Assets: We calculate complex CGT liabilities across listed securities, unlisted shares, and cryptocurrency transactions, applying statutory annual exemptions and loss relief pooling.
High-Volume Exchange Data: High-frequency trading datasets requiring specialized API extraction (via CoinTracker or Koinly) are reconciled under our structured Data Reconciliation schedule (from £150).
High-Income Child Benefit (HICBC): For individual earners exceeding statutory income thresholds (£60k+), we mathematically model clawback liabilities to ensure total compliance without HMRC penalty exposure.
Foreign Income & Double Tax Treaties: Rigorous management of overseas dividends, foreign property income, and double taxation relief under bilateral international tax treaties and the FIG regime.
Trust Distributions & Estates: Professional preparation of supplementary trust schedules (R40 / SA107) for beneficiaries and trustees, reconciling tax pool credits and chargeable event certificates.
*Note: Compliance quotes cover complete Self-Assessment schedule preparation and online submission. Formal written technical opinion letters or international restructuring advice are scoped separately.
Property Disposal

60-Day Residential Property CGT Return

Designed specifically for property investors, landlords, and second-home owners completing on UK residential property sales.

From £ 350
Fixed Fee (No VAT)
Mandatory Statutory 60-Day HMRC Reporting: When selling UK residential property that does not qualify for 100% Private Residence Relief (PRR), HMRC legislation mandates reporting the disposal and paying estimated CGT within 60 days of completion. We calculate base cost apportionments, allowable capital enhancement deductions, and submit your return via the HMRC Capital Gains on UK Property portal to eliminate automated late-filing fines.
Executive Remuneration

Director Wealth Extraction Strategy

Move beyond generic salary advice. A basic salary and dividend combination is rarely the most tax-efficient route across evolving Corporation Tax and personal dividend allowance brackets.

£ 495
Fixed Fee (No VAT)
Comprehensive Audit

A holistic financial audit of company retained earnings, working capital needs, and your overall personal wealth extraction framework.

Remuneration Modeling

Mathematical evaluation balancing optimal primary salary thresholds, employer pension contributions, and tax-efficient dividend distributions.

Actionable Tax Roadmap

A customized written plan designed to mitigate higher-rate 40% and 45% income tax brackets while optimizing small profits Corporation Tax rates.