Why Wirral Residents Choose APH for Tax Returns
Proactive, not reactive
We don’t just file your tax return. We plan ahead to minimise next year’s tax bill through strategic decisions made throughout the year.
Legally reduce your tax
We identify legitimate tax saving opportunities using allowances, reliefs, and structures you’re entitled to but might be missing.
Save thousands every year
Good tax planning typically saves 5-10 times its cost. Many clients save £5,000-£20,000+ annually through strategic planning.
Local Wirral accountants
Based in Wallasey Village. Meet us in person or work remotely across Wirral.
Personalized strategies
Every business and individual is different. We create tax strategies tailored to your specific situation and goals.
Our Tax Planning Services
Income Tax Planning
Dividend vs salary optimisation, pension contribution strategies, personal allowance protection, higher-rate tax mitigation.
Corporation Tax Planning
Profit extraction strategies, capital allowances, R&D tax credits, group structures, timing of expenditure.
Capital Gains Tax Planning
Asset disposal timing, principal private residence relief, business asset disposal relief, tax-efficient investment structures.
Inheritance Tax Planning
Estate planning, gift strategies, business property relief, trust structures, succession planning.
Property Tax Planning
Buy-to-let structures, furnished holiday lettings, property company vs personal ownership, capital gains strategies.
VAT Planning
VAT scheme selection, flat rate scheme optimisation, partial exemption planning, timing of VAT registration.
What Wirral Clients Say
Phil Paul McWilliam
“I have used APH for a number of years. Paul, Helen and Carla have looked after my accounts in an extremely professional and timely manner. Their advice has helped me on a business and personal level and I can’t thank them enough.”
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.”
Anna Cook (8 Years with APH)
“Matt is incredibly patient, helpful and very professional. As I moved between countries and had businesses in other countries as well as the UK, they made sure all changes were compliant.”
Who Benefits From Tax Planning
Limited company directors – Optimise dividend vs salary split, pension contributions, and profit extraction strategies.
High earners (£50,000+) – Protect your personal allowance, maximise pension relief, and reduce higher rate tax exposure.
Landlords and property investors – Choose tax-efficient ownership structures and maximise property allowances.
Business owners planning growth – Structure expansion tax efficiently, optimise capital investment, and plan for exit strategies.
Individuals with investments – Minimise capital gains tax, maximise ISA allowances, and plan dividend income.
Business owners approaching retirement – Succession planning, pension maximisation, and tax-efficient wealth extraction.
Common Tax Planning Strategies
Pension contributions – One of the most tax-efficient ways to reduce income tax while building retirement wealth. We calculate optimal contribution levels.
Dividend vs salary optimisation – Finding the right balance between salary and dividends can save thousands in tax and National Insurance annually.
Timing of income and expenses – Strategic timing of invoicing, payments, and capital expenditure can shift profits between tax years.
Capital allowances – Claiming full relief on equipment, vehicles, and property improvements reduces corporation tax.
Incorporation planning – Transitioning from sole trader to limited company at the right time can create significant tax savings.
Family income splitting – Legitimate use of spouse employment or shareholdings to utilise both personal allowances.
How Tax Planning Works With APH
- Annual Tax Review – We review your current tax position, identify opportunities, and create a tax planning strategy.
- Quarterly Check-Ins – We monitor your situation throughout the year and advise on timing of key decisions.
- Year-End Planning – In the months before year-end, we optimise final transactions to minimise tax.
- Implementation Support – We implement strategies through accurate accounting, payroll adjustments, and HMRC submissions.
- Ongoing Monitoring – Tax laws change. We ensure your strategies remain effective and compliant.
FAQs
It depends on your circumstances. Typical savings range from £2,000-£10,000 for small businesses to £20,000+ for larger companies or high earners. Good planning pays for itself many times over.
Absolutely. Tax planning uses legitimate allowances and structures provided by HMRC. Tax avoidance (illegal) is very different from tax planning (legal and encouraged by the government).
Now. The earlier in the tax year you plan, the more opportunities available. Last-minute planning limits your options.
Yes. Small businesses often have the most to gain from tax planning because they’re paying tax at personal rates without planning strategies.
Our tax planning is typically included in our ongoing accounting packages. For standalone tax planning consultations, fees start from £500-1,000 depending on complexity.
Yes. If you’ve overpaid tax in previous years, we can review and potentially reclaim. We also help resolve HMRC disputes.