Personal Tax Planning Manchester
Know your personal tax bill well before January.
Most people in Manchester running a business, holding property, or working as a contractor only find out what they owe HMRC when someone tells them too late to do anything about it. Personal tax planning done properly means fewer surprises and, usually, a lower bill. Fixed monthly fee. ACCA qualified. Same-day replies.
- Your tax position reviewed throughout the year, not at year-end
- Allowances and reliefs identified before the opportunity closes
- Less HMRC correspondence landing on your desk unexpectedly
- A clear view of what you will owe, months before the deadline
No long-term contract. If it is not working after three months, you leave with your records in order and nothing owed. Which is more than most people have going in.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Responds Faster Than Any Previous Accountant
“He always responds to messages and calls so quickly, has a wealth of knowledge and experience and is absolutely trustworthy.”
★★★★★
WhatsApp Queries Answered Without Delay
“It’s great we can WhatsApp for general queries, making communication more efficient.”
★★★★★
Proactive Advice Without Being Asked
“Hasan at Edward Harris has been superb for us. He has organised our books, compiled documentation for HMRC and been proactive with advice.”
★★★★★
Complex Tax Made Easy to Understand
“Hasan is always prompt in responding to my inquiries and made complex financial concepts easy to understand.”
Sound familiar?
Still not sure what your tax bill will be?
For a lot of people in Manchester — directors taking dividends, landlords with rental income, contractors working across multiple engagements — personal tax is genuinely complicated. The allowances interact. The thresholds move. And by the time most accountants look at it, the options for reducing the bill have already expired. That is not how it should work.
- ✕ Finding out your self assessment bill in December, with no time to plan
- ✕ Unsure whether you are using your dividend, personal and savings allowances efficiently
- ✕ No one proactively flagging planning opportunities before the tax year closes
What good personal tax planning looks like
It is not complicated in principle. You need someone who looks at your position during the year, not after it. Someone who flags what is available while there is still time to act, and tells you the number before HMRC does.
- ✓ Your tax position reviewed mid-year so nothing is a surprise in January
- ✓ Dividend, personal allowance and reliefs structured to reduce your bill legally
- ✓ Proactive contact when a planning opportunity opens — not after it closes
- ✓ Fixed monthly fee so the cost of planning does not eat the saving
What Manchester clients say about tax planning
These are the people who switched to a more proactive approach and stopped finding out their tax bill at the worst possible moment.
I had the pleasure of working with Hasan for our business’s financial needs, and I couldn’t be more satisfied. They provided exceptional service, demonstrating a deep understanding of accounting principles and tax regulations. Hasan is always prompt in responding to my inquiries and made complex financial concepts easy to understand. Their attention to detail and commitment to accuracy gave me great confidence in my financial decisions. I highly recommend them for anyone looking for a reliable and knowledgeable accountant
Hasan at Edward Harris has been superb for us. He has organised our books, compiled documentation for HMRC and been proactive with advice. Best accountant I have used.
Personal tax support across the year
Not just a self assessment return filed before the deadline — a considered review of your personal position throughout the tax year so there is time to act on it.
Self Assessment, Done Properly
Your return filed accurately and on time, with every allowance and relief correctly applied. For directors, landlords, contractors, and anyone with income beyond a single PAYE salary, the difference between a return that is merely submitted and one that is properly prepared is often measurable in hundreds of pounds. You will know the figure well before January.
Included as standardYear-Round Tax Position Review
Rather than reviewing your personal tax position at year-end when there is little left to do, the approach here is to look at it during the year. If a dividend needs restructuring, an allowance is going unused, or a disposal needs timing carefully, you hear about it while there is still time to act. Proactive contact is part of the service, not an extra.
Proactive planningCapital Gains, Dividends and Property Income
Multiple income streams interact in ways that catch people out — dividend income pushing basic rate tax into higher rate, property disposals triggering capital gains with a 60-day reporting window, or pension contributions reducing an adjusted net income that was crossing a threshold. Each is handled as part of your overall picture, not as separate one-off transactions.
Specialist income planningClients across Greater Manchester, all five stars
From first-time business owners to established landlords, the common thread is the same: proactive, plain-English advice that actually reduces stress and, usually, the bill.
Switched Accountants, Found One She Could Reach
“I started off with an incredible expensive company who I could never reach or get good advice from – then THANKFULLY found Hasan who has been our accountant ever since.”
Knowledge That Made New Ownership Less Daunting
“We have been working with Hasan for almost a year. He’s been very helpful providing us with knowledge as new business owners.”
Patient With Someone New To Business
“Hasan has been amazing and extremely helpful he has been very patient with me being new to running a business, he had given me some great advice and I will continue to use Edward Harris & Hasan”
Why Manchester clients choose us for personal tax
There is no shortage of accountants in Manchester. The difference tends to show up in January, when one client already knew their number and the other is opening a surprise letter.
Your Tax Bill Known Early
Personal tax planning here is not a December exercise. Your position is reviewed during the year so the number is known — and acted on — before the options run out. For directors managing salary and dividend mix, that timing is often the difference between a manageable bill and an avoidable one.
Allowances Found, Not Missed
Personal allowance, dividend allowance, savings allowance, capital gains annual exempt amount, pension contribution relief — each interacts with the others. The return is prepared with all of them in view, not just the ones that are obvious. If something is being left on the table, you will hear about it.
Plain English, Not Tax Jargon
Tax advice is only useful if you understand what it means for you. Everything is explained in plain terms: what the position is, what the options are, what each one costs or saves, and what you need to decide. No unexplained calculations. No jargon that requires a follow-up question to decode.
Up and running in four steps
The process is designed to keep the effort on your side as low as possible. Most clients are set up and have their first review complete within a couple of weeks of getting in touch.
Get in touch, no obligation
Call 0161 706 1523, email, or use the contact form. A reply comes back the same day. The initial conversation is free and without pressure — it is just a conversation about your situation and whether there is a fit.
Review your current position
Once engaged, your personal tax position is reviewed from the outset. This covers income sources, current allowances in use, and anything that looks like it could be structured more efficiently. If there are prior years with issues outstanding, those are factored in too.
A clear plan, in plain terms
You receive a clear picture of where you stand: what you are likely to owe, what can be reduced and how, and what needs to happen before the tax year closes. No spreadsheet dropped in your inbox without explanation — everything is talked through.
Year-round support, no surprises
From that point, your personal tax position is monitored throughout the year. You are contacted when something relevant comes up — a change in thresholds, a planning opportunity, or a deadline approaching. January becomes a date on the calendar, not a source of dread.
“Excellent service! Hasan took over and sorted out my accounts with a swift and hassle free service. I would highly recommend for your accounting needs.”
Things people usually ask us first
Do you handle personal tax for directors taking both salary and dividends?
Yes — this is one of the most common personal tax situations we work with. The interaction between salary, dividends, personal allowance and higher rate thresholds is reviewed as a whole, not in isolation. If the current split is not optimal, you will be told what a more efficient structure looks like and what it saves in practical terms.
What does personal tax planning cost, and what is included?
Pricing is fixed monthly rather than billed by the hour. The fee covers your self assessment return, year-round review of your personal tax position, and proactive contact when something needs attention. There are no surprise invoices for an extra email or a short call. The quote is based on the complexity of your income sources — straightforward situations cost less than those with multiple income streams or property portfolios.
My self assessment is overdue or my records are in a mess — can you still help?
Regularly. Most people who get in touch are not in perfect order — that is often why they are looking for an accountant. Late or outstanding returns are dealt with as part of onboarding. Where catch-up work is significant, the cost is agreed upfront before anything is filed, so there are no surprises.
Is there a long-term contract, and what happens if I leave?
No long-term contract. If the arrangement is not working, you give notice and leave with your records handed over cleanly. Nothing is held back and nothing further is owed beyond the final month’s fee. The aim is that clients stay because the service is worth it, not because leaving is inconvenient.
I have rental income as well as self-employment income — can you manage both in one place?
Yes. Property income, self-employment, directorship dividends and any other personal income sources are all handled together. The return is prepared with all streams in view, which matters because they affect each other — rental profit can push dividend income into a higher rate band, for instance. Treating each source separately and then adding them up at the end is where errors tend to occur.
How far in advance will I know what my personal tax bill is going to be?
The goal is that you know a reliable estimate several months before the January deadline — typically by October at the latest for the prior tax year. For clients with more complex positions, an interim estimate is provided mid-year as well. The aim is that the bill is never a figure you see for the first time when you log into your HMRC account.
Stop finding out your tax bill in January.
A free initial conversation, no pressure and no commitment. We will discuss your income sources, current position and what personal tax planning could realistically do for you.