Who We Work With
Our finance consultant accounting services are designed for:
- Independent finance directors and fractional CFOs
- Financial controllers working across multiple clients
- Business analysts and financial planning consultants
- Treasury and risk management consultants
- Corporate finance consultants
- Financial modelling and forecasting specialists
- Small finance consultancy practices
Whether you are just starting out or running an established practice, we have the experience to support you at every stage.
The Accounting Challenges Finance Consultants Face
Getting your financial setup right protects your income and reduces what you hand over to HMRC unnecessarily.
Business structure
Sole trader or limited company. Finance consultants are often well placed to understand the tax implications of each structure, but applying that knowledge to their own situation is a different matter. We assess your specific circumstances and give you a clear recommendation.
Tax efficient profit extraction
If you operate through a limited company, how you pay yourself matters. Getting the balance between salary and dividends right is one of the most effective legal ways to reduce your overall tax bill. As a finance professional you will understand the principles. We make sure the execution is right.
IR35
Finance consultants working through a limited company need to understand their IR35 position carefully. Interim finance director and CFO roles in particular can attract HMRC scrutiny around employment status. We provide clear guidance on where you stand and help you structure contracts and working practices correctly.
Pension planning
Higher earning finance consultants face specific pension planning considerations, particularly around the tapered annual allowance. Used correctly, pension contributions are one of the most powerful tax planning tools available. We make sure you are not missing this opportunity.
Personal allowance planning
For finance consultants earning above £100,000, the personal allowance taper creates an effective 60% tax rate on income in that range. Strategic planning around salary, dividends, and pension contributions can significantly reduce the impact.
Our Services for Finance Consultants
We provide a full accounting service for finance consultants and financial practices, including:
- Limited company setup and ongoing accounts
- Corporation tax returns
- Tax efficient salary and dividend planning
- Self assessment and personal tax returns
- Bookkeeping and payroll
- VAT registration and returns
- Business expense management
- Cash flow forecasting
- Annual accounts submission to HMRC and Companies House
- Company secretarial duties
- Business advisory and growth planning
Everything is handled on a fixed monthly fee with no unexpected bills.
Why Finance Consultants Choose APH
We understand the finance consultancy model
Working with senior finance professionals requires an accountant who can operate at the same level of commercial understanding. We understand how finance consultancy businesses are structured, how income flows, and what the tax planning opportunities are at higher income levels.
Paul’s background
Our MD Paul spent nine years as a Management Accountant at Bristol Myers Squibb and three years as Group Financial Controller at Enron, at the time the largest company in the world. He has since owned and managed multiple successful businesses. That depth of real world financial leadership experience is particularly relevant for finance consultant clients.
Plain English, always
No jargon, no overcomplicated explanations. Even for clients who understand finance deeply, clear and honest communication makes a significant difference.
Fixed fees, no surprises
Clear, predictable monthly fees from day one. No hourly billing, no unexpected invoices.
What Our Clients Say
Paul Foster
“We are scaling our business and needed to find a company who understood the challenges we were faced with. After speaking to five other companies, APH stood out as the business that had the most knowledge and experience.”
Mike Waywell
“I can’t recommend APH highly enough. They’ve been brilliant supporting me across two different businesses, handling everything from regular tax submissions and bookkeeping right through to restructuring shares and selling one of the companies.”
Finance Consultant Accounting FAQs
For many finance consultants, a limited company becomes worth reviewing seriously as profits grow. Around the £30,000 to £35,000 profit level is often a natural point to have that conversation, though the right answer depends on your individual circumstances and longer term plans.
Interim finance director and CFO roles can attract particular scrutiny from HMRC around employment status. Key factors include how much control your client has over your work, whether you can send a substitute, and whether you bear genuine financial risk. We provide clear guidance on your IR35 position and help you structure contracts correctly.
For higher earning finance consultants, pension contributions are one of the most powerful tax planning tools available. The tapered annual allowance affects those with adjusted income above £260,000, and strategic contributions can also help protect the personal allowance for those earning above £100,000. This is an area where specialist advice makes a material financial difference.
Allowable expenses typically include professional memberships such as ICAEW or CIMA fees, specialist software, training and CPD, travel to client sites, home office costs, professional indemnity insurance, and accountancy fees.
Find out more in our guide to consultant tax deductions.
Yes. We are based in Wallasey, Wirral, but work with finance consultants and financial professionals across the UK on a fully remote basis.
Fixed monthly fees tailored to your situation. Get in touch for a no-obligation quote with no commitment required.
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