Our clients include individuals, families, and directors across the UK. Even clients on a low income find a quick review worthwhile, since it confirms they are not overpaying.

Most of our work falls into a few groups:

• People with more than one income source, such as PAYE plus freelance, rental, or side business income
• Company directors managing salary, dividends, benefits in kind, or a director's loan account
• Self-employed workers, landlords, and higher earners affected by the personal allowance taper above £100,000

If you do not see your situation on that list, get in touch. We look at all aspects of your personal tax position, whether you run your own business, rent out UK property, or simply have income beyond your salary. Our services flex to match how much you earn and how much tax you pay, wherever in the UK you live.

Planning For Directors, The Self-Employed, And Higher Earners

Once your income passes £100,000, your personal allowance starts to fall, and disappears at £125,140, creating an effective tax rate on the income in between.

We help directors weigh up salary against dividends and pension contributions. We provide advice on the tax implications of a bonus or dividend change. For the self-employed, we make sure you are ready for Making Tax Digital, which brought sole traders and landlords with gross income above £50,000 into its first phase from April 2026. We also check your national insurance position if income moves between employment and self-employment.

Property, Family, and Cross-Border Tax Matters

Rental income, jointly owned property, and second homes all bring their own tax questions. For example, jointly owned property often needs a different approach for each spouse, especially where tax reliefs on mortgage interest apply. Moving to or from the UK, foreign income, and your position under the statutory residence test raise international tax questions too.

We also support family-focused planning, including the marriage allowance, transferring assets between spouses, and structures such as family investment companies for more complex estates. We can also explain double taxation relief and how foreign income and gains are treated under UK taxation rules. Business assets sold as part of a wider estate plan bring their own tax matters too.

Good personal tax advice is not only about this year's return. We also help clients plan for the future, whether that means retirement, passing on wealth, or feeling more in control of their money.

For example, a client nearing retirement might want pensions and investments reviewed together, while a business owner might want a plan for passing on business assets without an unnecessary tax bill. We provide advice on both, and the plan is explained clearly.

We look at the full picture, from income and pensions today to estate and family wealth later. Several aspects of UK taxation only make sense together. These aspects rarely stand alone, which is why every client leaves with a clear plan, not just a filed return.

Costs vary depending on how complex your income is, but you should know how much tax you owe and what our services will cost. A straightforward personal tax return typically costs between £150 and £350. Returns involving rental property, dividends, capital gains, or foreign income commonly fall between £250 and £500, and complex cases, such as cryptocurrency transactions, can run from £350 up to £750 or more.

This is a rough guide, and actual cost varies with your personal circumstances, so we confirm a fixed quote before work begins. You pay a fixed fee agreed in advance, never an open-ended bill. Self-employed clients and landlords can claim the business or rental portion of fees as an allowable expense, and every quote sets out the tax year it covers. Our services are priced clearly, and many clients tell us they pay less once missed reliefs and allowances are factored in.

If your personal tax affairs need a second look, or you want a clear plan for the year ahead, we would like to hear from you. Vexo Accounting offers free professional advice on your first call, with no pressure and no jargon. If you are not sure which of our services you need, we offer free help working it out, and every plan we suggest fits UK rules that apply to you.

Contact Vexo Accounting today for a free quote on personal tax advice, self assessment support, or a full personal tax review. Wherever you are in the UK, our tax adviser team is ready to help you plan ahead, stay compliant, and pay only what you owe.