01244 220 062
Personal Tax Services

Personal Tax & Self-Assessment
Accountants in Chester

Expert tax return services for company directors, high earners, sole traders, and property investors. We make filing your Self-Assessment simple, accurate, and completely stress-free—ensuring you claim every allowable relief and never overpay HMRC.

Book Your Free Consultation →
✓ Claim Every Allowable Relief • ✓ HMRC Agent Representation • ✓ Transparent Fixed Fees
HMRC Compliance

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 strict 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.

20% SAVINGS
Personal Tax Guarantee: Flat Rates — No VAT Charged On Our Fees

Save 20% Out-of-Pocket: Unlike most 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

Ideal for employees, pensioners, and those with standard UK dividend or basic investment income streams.

£ 295 / Fixed Fee
  • ✓ Complete personal SA100 tax preparation
  • ✓ Full review for basic allowable reliefs
  • ✓ Official SA100 return submitted to HMRC
Book Standard Filing →

Complex High Net Worth Tax

For highly complex situations requiring specialist tax calculations, multi-stream reporting, and planning.

£ 495 / From
  • ✓ Complex Capital Gains Tax calculations
  • ✓ High-Income Child Benefit tax reporting
  • ✓ Foreign income & trust tax declarations
Request High Net Worth Quote →

Director Wealth Extraction

A one-off comprehensive review of your wealth extraction strategy to ensure you never overpay HMRC on profits.

£ 495 / Fixed Fee
  • ✓ Complete review of business structuring
  • ✓ Optimised salary and dividend splitting
  • ✓ Legal reduction of personal liabilities
Book Extraction Review →
💡

Note for Limited Company Clients: If you are an existing Director on one of our monthly accounting packages, your core SA100 tax return filing is already included in your monthly plan. The £295 fixed fee applies to standalone individual clients.

Verified Feedback

Trusted by Chester Directors & High Earners

We are proud to be the trusted personal tax accountants for business owners, landlords, and high earners across Chester and the North West—delivering deadline peace of mind and genuine tax savings.

★★★★★

“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
✓ 100+ 5-Star Google Reviews
✓ ACCA Certified Quality
✓ Zero Penalty Record
Full Transparency

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.

01

The Standard Individual Return

Ideal for employees (PAYE), pensioners, and individuals with standard UK dividend or basic savings income.

£295 Fixed Fee
ℹ️ Scope Note: Does not include full sole trader business accounts or rental property accounts — see our dedicated Sole Trader and Landlord packages.
🧮
Full Tax Computation: We take your raw financial data (P60s, P11Ds, dividend vouchers) and calculate your exact personal tax liability with 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.
📋
Clear Payment Guidance: We provide a plain-English summary explaining exactly what you owe to HMRC and precisely how and when to pay it.
⚖️
Payments on Account & Reductions: We calculate your exact HMRC Payments on Account liabilities in advance. If your income drops, we handle formal HMRC reduction applications on your behalf.
📈
Pension Tax Relief & Carry Forward: We review contributions against annual allowances, calculating unused Carry Forward relief from the previous 3 tax years to legally slash higher-rate tax.
02

Complex & High Net Worth Returns

Designed for individuals with highly complex tax situations requiring specialist calculations, multi-stream reporting, and strategic planning.

From £495
🪙
Capital Gains (CGT) & Crypto-Assets: We calculate precise CGT liabilities for property, shares, or digital assets, applying current annual exempt amounts for statutory compliance.
📊
High-Volume Trading & Crypto Data: Active exchange data requiring dedicated API extraction (e.g., Koinly / CoinTracker) qualifies for our Data Reconciliation Fee (from £150) for automated ledger processing.
👨‍👩‍👧
High-Income Child Benefit Charge (HICBC): If individual income exceeds £60,000 and your household receives Child Benefit, we manage calculations to ensure full compliance. (Single-income PAYE-only clients qualify for our £350 tier).
🌍
Foreign Income & International Relief: We manage complex overseas streams, apply double taxation treaties, and guide clients through the 4-Year Foreign Income and Gains (FIG) regime and Temporary Repatriation Facility (TRF).
🏛️
Trust & Investment Portfolios: Expert handling of complex trust income, large-scale dividend portfolios, and sophisticated wealth-generation streams.
*Note: Packages cover standard Self-Assessment return preparation and statutory filing. Formal written tax opinion notes, cross-border restructuring, or specialist advisory reports are quoted separately on a fixed-fee basis.
03

60-Day Residential Property CGT Return

Designed specifically for landlords and property investors selling UK residential property.

From £350 Fixed Fee
🏠
Mandatory 60-Day HMRC Reporting: If you are selling a second home or a buy-to-let property, HMRC legally requires you to report the sale and pay the Capital Gains Tax within 60 days of completion. We handle the entire calculation and reporting process to ensure you remain fully compliant and avoid severe late-filing penalties.
04

Director Wealth Extraction Strategy

Stop paying for our time, start paying for results. Taking a standard salary and dividend mix might not be the most tax-efficient strategy anymore.

£495 Fixed Fee
🔍
Comprehensive Structure Review

A deep-dive, one-off review of your entire business structure and personal wealth extraction strategy.

⚖️
Salary vs. Dividend Optimisation

We run exact numbers on corporate profits to find the mathematically perfect split between PAYE salary and dividend payouts.

🗺️
Actionable Tax Strategy

A step-by-step roadmap to legally minimise personal tax liabilities, keeping you below higher-rate tax thresholds wherever legally possible.