When should I do year-end tax planning?

The best time to plan is 2 to 3 months before your accounting year end, when there is still time to act. Making pension contributions, purchasing equipment, or adjusting salary and dividend levels before year end can significantly reduce your tax bill. We contact all our clients proactively before their year end.

Can pension contributions reduce my tax bill?

Yes. Employer pension contributions made through a limited company are a deductible business expense and reduce corporation tax. Personal contributions also attract income tax relief. We advise on the most tax-efficient contribution strategy for your position.

Is income splitting between spouses legal?

Paying a genuine salary to a spouse or partner who works in your business is legitimate and can be tax-efficient if they are a lower-rate taxpayer. Allocating company shares and dividends to a spouse can also be effective. We ensure any arrangements are properly structured and defensible with HMRC.

Tax Planning

Tax Planning Brighton

Proactive tax planning for Brighton individuals and businesses — year-end planning, pension contributions, income splitting and more. Advice before the year closes, not after.

Free consultation Call 07534 476727

Why it matters

Tax planning is about timing

Proactive, not reactive

We contact you before your year end — not after — so there’s still time to make decisions that reduce your bill.

Legitimate strategies only

Everything we advise is fully compliant. We don’t do aggressive schemes — we find the genuine reliefs and allowances you’re entitled to.

Numbers-based advice

We model the actual impact of each planning opportunity with your real numbers, not generic guidance.

Year-round availability

Tax planning isn’t a once-a-year conversation. We’re available throughout the year when decisions need to be made.

Certified partners:

✓ MTD Ready

“The right specialist accountant pays for themselves — many times over.”

— James Fitzpatrick, Fitzpatrick Co

Get in touch

📞 07534 476727 📧 info@fitzpatrickco.uk 💬 WhatsApp us

Planning areas

How we reduce your tax bill

Most accountants file your return after the year ends and tell you what you owe. That’s too late to change anything — good tax planning happens before your year end closes, when you can still act.

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Year-End Planning

Before your accounting year closes — timing of income, expenditure, and investment decisions to optimise your position.

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Pension Contributions

Pension contributions are one of the most powerful tax planning tools available. We calculate the optimal amount.

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Income Splitting

Using a spouse or partner’s allowances and lower tax rates legitimately — particularly effective for property investors.

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Profit Extraction

For company directors — the most tax-efficient combination of salary, dividends and pension each year.

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Property Tax Planning

Section 24, CGT timing, ownership structure — property is one of the most tax-planning-intensive asset classes.

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Capital Gains Planning

Timing of disposals, use of annual exemption, losses — we plan CGT positions before assets are sold.

How it works

Simple to get started

Most clients are up and running within a week.

Free discovery call

Tell us about your situation. We listen, ask the right questions, and give you an honest picture of how we can help — no obligation.

Clear, fixed proposal

A straightforward proposal with a fixed fee and precise list of what's included. No ambiguity, no hidden extras.

Smooth onboarding

We handle the switch from your previous accountant and set up your cloud accounting software. Quick and painless.

Ongoing partnership

We flag deadlines, spot tax-saving opportunities, and keep you informed year-round — not just a once-a-year filing service.

Common questions

Frequently asked questions

When should I start tax planning?

Before your tax year ends. For most people that’s before 5 April each year. For companies, before your accounting year end. Contact us 2–3 months before your year end and we’ll review your position.

Is tax planning legal?

Yes — legitimate tax planning uses reliefs and allowances that Parliament has specifically created. It’s entirely different from tax evasion or aggressive avoidance schemes, which we don’t do.

How much can tax planning save me?

It varies significantly. For a company director, proper salary and dividend planning often saves thousands per year. For a property investor, the right ownership structure can make a material difference. We model the numbers with you.

Do you offer tax planning as a standalone service?

Yes, though most clients find it works best alongside their annual accounts or self assessment — we can see the full picture and plan accordingly.