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.
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.
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.
- ✓ 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, multi-stream reporting, and strategic planning.
- ✓ Complex Capital Gains Tax calculations
- ✓ 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 company profits.
- ✓ Complete review of business structuring
- ✓ Optimised salary and dividend splitting
- ✓ Legal reduction of personal liabilities
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.
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.”
“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, patient, and clear.”
“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 savings and greater efficiency.”
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
Ideal for employees (PAYE), pensioners, and individuals with standard UK dividend or basic savings income.
Complex & High Net Worth Returns
Designed for individuals with multi-stream income requiring specialist calculations, international reporting, and strategic planning.
60-Day Residential Property CGT Return
Designed specifically for landlords and property investors selling UK residential property.
Director Wealth Extraction Strategy
Stop paying for basic time and start paying for results. A simple salary and dividend mix might not be the most tax-efficient route anymore.
A deep-dive, one-off review of your entire corporate structure and personal wealth extraction model.
Exact mathematical modelling on profits to identify the optimal split between PAYE salary and dividend payouts.
A step-by-step roadmap to reduce liabilities while managing higher-rate thresholds wherever legally viable.