Tax Planning · Wales
Tax planning in Aberystwyth
If you are a director, a higher earner or a landlord in Aberystwyth and nobody has ever sat down with your whole position, income, company, pensions, property, spouse, and worked through it, this is that review. We do it for clients across Wales by video call and written report, for a fee agreed before we start, using established reliefs only.
from £249 · fixed, per review
Next deadlines
- Online Self Assessment filing deadline and balancing payment due
- Tax year ends: last day for pension, ISA and dividend timing decisions
- Companies House accounts due 9 months after your year end (a 31 December year end files by 30 September)
- Corporation Tax payment, 9 months and 1 day after your year end (a 31 December year end pays by 1 October)
Who this is for
Tax Planning for Aberystwyth
Company directors in Aberystwyth deciding how to pay themselves, higher earners near the £100,000 personal allowance taper or the £125,140 additional rate, couples who could use both sets of allowances better, landlords and investors with gains to time, business owners approaching a year end with profit to deploy, and anyone whose affairs have grown more complicated than their current adviser has noticed.
What is included
Everything inside the fixed fee
- A review of your current position across income tax, National Insurance, dividends, Corporation Tax and capital gains as relevant
- Allowances and reliefs checked: personal allowance taper, marriage allowance, pension annual allowance, dividend and savings allowances, ISA use
- Director remuneration modelled: salary, dividends, pension contributions and benefits for the coming year
- Timing decisions quantified: dividends across tax years, capital expenditure before year end, pension contributions, disposals
- A written report with the recommendations, the saving from each and the actions in order
- A follow-up call to answer questions and agree what we implement for you
How it works
Tax Planning from Aberystwyth, step by step
Tell us your situation
A short message or call about what you do and what needs filing. We ask the questions that determine the right package and nothing more.
Fixed fee in writing
You receive one price for the work, confirmed by email before anything starts. It does not change if the job takes longer than we expected.
Send records, review the draft
Records come by WhatsApp or email. We prepare the draft, explain the figures in plain English and answer your questions.
We file, you get the receipts
Once you approve and the fee is settled, we submit electronically and forward the HMRC or Companies House acknowledgement the same day.
Why IGI
What you get in Aberystwyth
No hourly rate and no surprise invoice. Aberystwyth clients know the fee for tax planning before they send a single document, and it stays fixed.
We work to the HMRC and Companies House calendar, not an appointment diary. Clients in Aberystwyth get reminders at 60, 30 and 7 days before each date that applies to tax planning.
We serve Aberystwyth remotely by design: records by WhatsApp or email, drafts back for approval, filing electronic. The saving on premises is passed to you in the fee for tax planning.
A named person handles your tax planning from Aberystwyth and knows the file, so you are not re-explaining your business to a different helpdesk each time.
We explain tax planning in the words Aberystwyth business owners use, not in accountant's shorthand, and we show our working so you can check it.
Nothing is filed for Aberystwyth until you have reviewed and approved it. You see the draft, you ask questions, you sign off, then we submit and send you the receipt.
Local facts
About Aberystwyth
Aberystwyth is in Wales, in the SY23 postcode district, Wales. Welsh taxpayers pay Welsh rates of income tax, set by the Senedd and currently matching the English bands, collected under a C-prefixed tax code. National Insurance, VAT and Corporation Tax are UK-wide. Property purchases in Wales pay Land Transaction Tax to the Welsh Revenue Authority rather than Stamp Duty, with its own bands and rates.
| Place | Distance | Direction |
|---|---|---|
| Buarth Mawr | 0.3 mi | E |
| Mawr, Buarth | 0.3 mi | E |
| Trefechan, Wales | 0.4 mi | SW |
| Elysian Grove | 0.4 mi | NE |
| Caeffynnon | 0.7 mi | SE |
| Penparcau | 0.8 mi | SE |
| Llain-y-gawsai | 0.8 mi | E |
| Pen-Parcau | 0.8 mi | S |
Worth knowing
Rules that come up in this work
Switching accountants
You can switch accountant at any point in the year. The new firm requests clearance and your records from the old one, which cannot withhold your own documents though it may hold its own working papers until its fees are settled. Agent authorisations with HMRC and Companies House are transferred, and the next deadline is picked up without a gap.
Closing a company
Voluntary strike-off is available only to solvent companies. One that owes money it cannot pay needs a creditors' voluntary liquidation through a licensed insolvency practitioner, and directors who dissolve an insolvent company face personal consequences. For a solvent company the process takes three to four months from filing the DS01, with notice to creditors and shareholders within seven days.
Employer National Insurance
The cost of an employee is more than the salary. Employer National Insurance at 15% above £5,000 a year, the 3% minimum pension contribution, holiday pay, equipment and management time all come on top. The Employment Allowance of £10,500 reduces the National Insurance for most employers with more than one person on the payroll.
Workplace pensions and auto-enrolment
Auto-enrolment duties begin the day you take on your first employee, not when the Pensions Regulator writes to you. Eligible staff must be enrolled, contributions paid every pay period and re-enrolment carried out every three years. Director-only companies without employment contracts are usually exempt. Fines for non-compliance are fixed and escalating.
Dormant companies
Companies formed to protect a name or hold a future business are dormant but not exempt: Companies House still expects dormant accounts within nine months of the year end and a confirmation statement annually with its £50 fee, and HMRC must be told the company is dormant or it will demand Corporation Tax returns. The filings are short, but the penalties for missing them are the same as for a trading company.
The trading and property allowances
Small side incomes are covered by two £1,000 allowances, one for trading and one for property, which remove the need to register or report income below that level. Once income exceeds £1,000, the allowance can be used in place of expenses, a choice worth making deliberately: a freelancer with £900 of costs is better off with the allowance, one with £3,000 is not.
Crypto records and reporting
HMRC treats cryptoassets as property. Swapping one token for another, spending crypto or gifting it are all disposals for Capital Gains Tax, and staking and lending rewards are income. Gains are computed under pooling rules with same-day and 30-day matching. From 2026 HMRC receives data from exchanges worldwide under the Cryptoasset Reporting Framework, so unreported activity is increasingly visible.
Questions
Tax Planning questions from Aberystwyth
What about the personal allowance taper and the £100,000 trap?
Between £100,000 and £125,140 of adjusted income the personal allowance is withdrawn at £1 for every £2, producing an effective marginal rate of 60%. Pension contributions and gift aid reduce adjusted income and are often the best use of money in that band. The review quantifies this precisely for your figures.
How does pension planning fit in?
Pension contributions get relief at your marginal rate, employer contributions are deductible for Corporation Tax and free of National Insurance, and unused annual allowance from the previous three years can be carried forward. For directors it is usually the most efficient extraction route after a basic salary. We calculate your headroom and the saving.
When should I buy the combined review?
When the company and personal positions interact, which for most owner-managers they do. The £399 combined review covers both sides together: Corporation Tax planning, extraction strategy, capital expenditure timing, pension contributions as a company expense, and the personal position of each director or shareholder. It replaces the two separate reviews.
How often should planning be reviewed?
Annually, ideally in the first quarter of the tax year so that decisions have the full year to work. Thresholds and rates change each April, your income changes, and the company's profit changes. Clients in our monthly packages get a planning conversation as part of the Complete and Premium tiers.
What is the pre-year-end planning session?
A £299 session two to three months before a company's year end, using management or draft figures to decide what to do before the date: capital expenditure to claim full expensing, employer pension contributions, bonus or dividend timing, bad debt provisions, and whether to change the accounting date. Decisions made after the year end are mostly too late.
Will you implement the recommendations?
Where the actions fall within our services, such as setting the payroll salary, documenting dividends, adjusting the company's pension contributions or making an election, yes, as part of those services. Where they need a financial adviser, for example choosing pension investments, we tell you what to ask them.
Do you have an office in Aberystwyth?
No. IGI Accounting is an online-only firm. We serve Aberystwyth and every other UK postcode remotely, with records sent by WhatsApp or email and everything filed electronically. The absence of local premises is why the fee for tax planning is the same in Aberystwyth as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is tax planning in Aberystwyth really the same price as elsewhere?
Yes. The fee published on this page is what a client in Aberystwyth pays and what a client in any other part of Wales pays. It is confirmed in writing before work starts and the invoice matches the quote. Where a higher package applies because your situation is more complex, we say so at the quote stage, never afterwards.
One message from Aberystwyth, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.