Tax Planning
Tax planning that happens through the year, not when the deadline lands. We help limited company owners pay what they owe and not a penny more.
ACCA qualified
Xero certified
Based across Oxfordshire & Essex
Transparent pricing
If your accountant only talks tax once a year, you're paying more than you need to.
Most tax planning happens too late to matter
Salary versus dividends. Pension contributions. Capital allowances. R&D claims. Marriage allowance. Director's loan timing. None of these decisions work after year end. They have to be made before.
By the time your accounts are being prepared, the tax planning window for that year has already closed. The numbers are baked. The only question left is how much you owe.
Want to talk it through? Fifteen minutes on the phone, no fee.
What Tax Planning and Advisory Includes
A clear, year-round approach to your corporation tax and personal tax position.
- Corporation tax review and computation
- Pre-year-end planning meeting to spot tax savings before year end
- Salary and dividend optimisation for directors
- Pension contribution strategy
- Capital allowances and full expensing claims
- R&D tax credit assessment
- Director's loan account planning
- Group, holding company, and incorporation advice where relevant
- HMRC correspondence and enquiry support
Want a clear proposal for your business? Ask on the call.
How It Works
Meet us
A video call to start, or we come to you if you're in Oxfordshire or Essex. We look at what you're doing now, what's working, and what's missing.
Agree the plan
We set up your books, confirm the services you need, and provide a clear proposal in writing.
Work together through the year
Regular check-ins, clear advice, and no surprise bills at year end.
Step one starts here. Fifteen minutes, no fee.
Who This Is For
Owner-managed limited companies turning over £100k+
Businesses with stable or growing profits
Higher-rate and additional-rate taxpayers
Directors looking at pension contributions, dividend strategy, or capital investment
Businesses considering R&D claims
Directors planning a sale, succession, or restructure
Sounds like your business? Let's have a chat.
Transparent Pricing
Every client is different, so we don’t force businesses into one-size-fits-all packages.
We’ll discuss what support you need, agree the scope of work upfront, and provide a clear proposal before we start.
Many clients choose to spread the cost through monthly payments, helping them budget for their accountancy support throughout the year.
Want to know what your business would cost? Ask on the call.
Why SD Accountancy
Based across Oxfordshire and Essex. A small team. One standard of work. You meet the accountant doing your books. You always speak to them directly. You never get bounced to a help desk or a rotating cast of juniors.
That's how Samuel set up the firm in 2024 and that's how we still work as we grow.
Sound like your kind of accountant? Let's have a chat.
Common Questions
When in the year should I plan my tax?
Three months before your year end is the sweet spot. Anything before that and the figures are too rough; anything after and most of the levers are out of reach.
Is tax planning the same as tax avoidance?
No. Tax planning means using the reliefs and allowances Parliament has written into law. Tax avoidance means structuring artificially to escape tax that was clearly intended. We do the first, never the second.
Can you reduce a corporation tax bill I've already had?
Sometimes, yes. Errors get corrected, R&D claims can go back two years, and capital allowances can be re-examined. The first thing we do is look at your last two years to see what's recoverable.
How much can good tax planning save me?
It depends on the business. For a profitable owner-managed limited company, savings of £3,000 to £15,000 a year are typical. The fee is usually a small fraction of that.
Do you handle personal tax planning too?
Yes. We look at your business and your personal position together, since the decisions affect each other. Your self assessment is part of the same conversation.
Got a question not on the list? Ask us on the call.
Book Your Free Discovery Call
A short call to talk through your business, your current setup, and what’s on your mind. You’ll come away with a clear answer on whether we’re the right accountant for you. No fee and no obligation either way.