Tax Planning · East London
Tax planning in Roman Road
If you are a director, a higher earner or a landlord in Roman Road 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 East London 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 Roman Road
Company directors in Roman Road 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 Roman Road, 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 Roman Road
The price for tax planning is published on this page and is what a client in Roman Road pays. We confirm it in writing first, and the invoice matches the quote.
Deadline-first: the dates that matter for tax planning are shown at the top of this page, diarised for every Roman Road client and chased before they arrive.
Online only, UK based. There is no office in Roman Road to pay for, which is why the fee is the same here as anywhere in England; the work is done by people in the UK who answer the same day.
Continuity matters in tax planning: the person who prepared last year's work for your Roman Road business prepares this year's, and remembers what was agreed.
Plain English, with the numbers. Every draft for Roman Road comes with a short explanation of what the figures mean and what, if anything, you should do about them.
You stay in control of tax planning: drafts go to Roman Road clients first, with the figures explained, and nothing leaves us until you say so.
Local facts
About Roman Road
Roman Road is in East London, within Newham, in the E6 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 |
|---|---|---|
| East Ham South | 0.6 mi | NE |
| Plaistow South | 0.6 mi | W |
| Beckton | 0.7 mi | SE |
| Boleyn | 0.7 mi | N |
| Barking Road | 0.8 mi | NW |
| East Ham Central | 0.8 mi | N |
| Newham, East London | 1.0 mi | NW |
| Upton Park | 1 mi | NW |
Worth knowing
Rules that come up in this work
Switching accountants
The main reasons people switch accountant are surprise invoices, missed deadlines and not understanding what they are being told. Switching involves a clearance letter between the firms, a transfer of records and agent authorisations, and a short handover of the current position. It takes about two weeks and should cost nothing extra.
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
Since April 2025 employer National Insurance has been 15% on earnings above a £5,000 secondary threshold, a substantial increase for small employers. The Employment Allowance rose to £10,500 at the same time to soften it for the smallest businesses. Directors deciding their own salary weigh this cost against the Corporation Tax deduction a salary provides.
Workplace pensions and auto-enrolment
Workplace pension compliance is part of payroll, not separate from it. Each pay period the payroll assesses who is eligible, calculates employer and employee contributions on qualifying earnings between the lower and upper thresholds, and sends the contribution file to the scheme. The minimum total is 8%, and many employers choose to contribute more as a recruitment advantage.
Dormant companies
A dormant company is one with no significant accounting transactions in the year, where the only permitted entries are the payment for shares on incorporation, Companies House fees and penalties. It still files a confirmation statement and simplified dormant accounts every year. A bank charge or an accountant's fee paid from the company ends dormancy and requires full accounts.
The trading and property allowances
Not every small income needs a tax return. The trading allowance exempts the first £1,000 of self-employment or casual income and the property allowance does the same for rental income, each measured on gross receipts. They cannot be combined with rent-a-room relief on the same income, and claiming the allowance means giving up the expense deduction for that source.
Crypto records and reporting
Crypto tax splits into capital gains on disposals and income on rewards, with different rates and different reporting. The £3,000 annual exempt amount and the 18% and 24% rates apply to gains; staking, mining and airdrop income is taxed at marginal income tax rates. HMRC's nudge letters to holders have increased sharply, and a voluntary disclosure before one arrives is treated far more leniently.
Questions
Tax Planning questions from Roman Road
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 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.
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.
Do you have an office in Roman Road?
No. IGI Accounting is an online-only firm. We serve Roman Road 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 Roman Road as anywhere else in the country, and why there is nothing to visit and nothing to print.
Is tax planning in Roman Road really the same price as elsewhere?
Yes. The fee published on this page is what a client in Roman Road pays and what a client in any other part of England 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 Roman Road, one fixed price
Tell us what you need. You get one fixed fee in writing, and nothing is filed until you approve it.