Tax Planning · North East London
Tax planning in Hoe Street
Tax planning reviews for individuals and directors in Hoe Street: a personal tax review or a director remuneration review is £249, a combined business and personal review is £399, and a pre-year-end planning session for companies is £299. Fixed scope, written report, the same fee in Hoe Street as in every part of England.
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 Hoe Street
Company directors in Hoe Street 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 Hoe Street, 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 Hoe Street
One fixed fee for tax planning in Hoe Street, agreed in writing before any work starts and never changed part-way through the job, however long it takes us.
Nothing for Hoe Street is left to the last week. Each deadline relevant to tax planning is tracked from the day you join, with the next four shown on every page we send you.
We serve Hoe Street 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 Hoe Street and knows the file, so you are not re-explaining your business to a different helpdesk each time.
The output for Hoe Street clients is never just a form. It is the form, a one-page summary of what it says, and a note of the decisions it points to for tax planning.
Approval before filing is a rule, not a courtesy. For tax planning in Hoe Street, every submission to HMRC or Companies House follows your written go-ahead.
Local facts
About Hoe Street
Hoe Street is in North East London, within Waltham Forest, in the E17 postcode district, England. Income tax in England follows the UK rates: 20% basic to £50,270, 40% higher to £125,140 and 45% additional, with the personal allowance of £12,570 tapered away above £100,000. National Insurance, VAT and Corporation Tax are UK-wide, and Stamp Duty Land Tax applies to property purchases.
| Place | Distance | Direction |
|---|---|---|
| Walthamstow Village | 0.1 mi | E |
| Walthamstow | 0.2 mi | W |
| Walthamstow Central | 0.3 mi | W |
| Wood Street, Waltham Forest | 0.6 mi | NE |
| Whipps Cross | 0.6 mi | E |
| Bakers Arms | 0.7 mi | S |
| Upper Walthamstow | 0.7 mi | E |
| William Morris | 0.8 mi | NW |
Worth knowing
Rules that come up in this work
The Self Assessment calendar
Self Assessment runs on a fixed annual cycle. Registration by 5 October following the tax year, online filing and payment by 31 January, and a second instalment on 31 July for those making payments on account. The penalties for lateness are automatic and escalate monthly, which is why we file early and chase approvals well before the window closes.
Payments on account
A common surprise in Self Assessment is the January payment that is far larger than expected. That is the balancing payment for the year just ended plus the first payment on account for the year ahead, which HMRC sets at half of the bill just calculated. We put the figure in your hands months ahead and tell you how to adjust it legitimately when circumstances change.
Late filing penalties
Lateness is expensive in a way that compounds. For individuals, £100 immediately, then daily penalties, then percentage-based ones at six and twelve months, with interest running on unpaid tax throughout. For companies, Companies House penalties scale with delay and double on repeat, and HMRC adds its own for a late CT600. Filing on time is the cheapest tax planning there is.
Making Tax Digital for Income Tax
The biggest change to Self Assessment in a generation is Making Tax Digital for Income Tax, now live for higher-earning sole traders and landlords and arriving for the rest in stages. Quarterly updates are due by 7 August, 7 November, 7 February and 7 May, built from digital records. The practical consequence is that spreadsheet-and-shoebox bookkeeping is ending for anyone above the threshold.
The VAT registration threshold
The £90,000 VAT threshold is measured over any twelve consecutive months, which is why a strong quarter can tip a business over unexpectedly. Registration must follow within thirty days of the end of the month the threshold was crossed. Below the threshold, voluntary registration is worth considering when customers are VAT-registered businesses and costs carry VAT.
Corporation Tax rates and marginal relief
Corporation Tax is not a flat rate. Profits to £50,000 pay 19%, profits above £250,000 pay 25%, and the band between is taxed at an effective marginal rate of 26.5% through the marginal relief mechanism. Associated companies share the thresholds, which catches directors who own more than one company and is the most common cause of underpaid tax in owner-managed groups.
Salary versus dividends
Paying yourself from a company involves two routes with different tax treatment. Salary through payroll is a company expense and builds a National Insurance record; dividends come from post-tax profit at lower personal rates. Undocumented drawings that are neither become director's loans, with a 35.75% section 455 charge if not repaid within nine months of the year end.
Questions
Tax Planning questions from Hoe Street
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.
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.
What does the £249 personal tax review cover?
Your income from all sources, the allowances and reliefs you are and are not using, pension contribution headroom, the personal allowance taper and High Income Child Benefit charge if relevant, savings and dividend allowances, ISA use, marriage allowance, gift aid and the timing of any disposals. You receive a written report with quantified recommendations.
What does the director remuneration review cover?
For £249 we model the coming year's salary, dividends, employer pension contributions and any benefits against the company's expected profit and your other income, showing the total tax and National Insurance under each option and recommending a structure. It includes the use of a spouse's shareholding and allowances where relevant.
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.
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.
Which deadlines matter most for tax planning?
The next four dates that apply to tax planning are shown at the top of this page, calculated from today. For Hoe Street clients we diarise every one of them from the day you join and send reminders before each, so the work is done in good time rather than in the last week before a penalty.
How do I get started from Hoe Street?
Message us on WhatsApp or email with a sentence about your business and what you need. We reply in working hours with any questions and a fixed fee for tax planning. Once you confirm, we tell you exactly which records to send and the work begins. Most Hoe Street clients are set up within a day.
Ready to fix your fee in Hoe Street?
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.