Personal Tax Planning — Torbay
Keep more of what you earn, legally and on purpose.
Most people pay more tax than they need to — not through dishonesty, but through a lack of planning. If your tax bill arrives as a surprise rather than a number you already knew, that is worth fixing. Fixed monthly fees, ACCA-qualified advice, and questions answered the same day you ask them.
- Know your personal tax position months before the deadline
- Dividend and salary mix reviewed to reduce your overall bill
- Capital gains, rental income and multiple income streams handled correctly
- Proactive planning flags opportunities before the tax year closes
No long-term contract. If it is not working after three months, you leave with your records in order and nothing further owed.
Get a free quote
Fixed pricing. Same-day reply.
What our clients say
★★★★★
Fast Turnaround When It Mattered
“Communication was straightforward and reassuring, which made a potentially stressful part of the mortgage process much easier.”
★★★★★
Tax Knowledge That Saved Real Money
“His knowledge in tax law and what can be used for expenses really helped with saving money where I could.”
★★★★★
Every Detail Explained Clearly
“very professional, explaining every detail meticulously in order to finalise our accounts. A huge thank you Daniel.”
★★★★★
Patient When You Have No Clue
“Daniel was very helpful and patient with me when I had no clue what to do and spoke through everything with me and made it clear”
Sound familiar?
Still guessing what your tax bill will be?
Personal tax can pile up quietly — a dividend here, some rental income there, a property sold mid-year. By the time you sit down to file, the number is fixed and there is nothing left to do about it. That is the wrong order. Planning before the year ends is where the difference is made.
- Tax bill arrives in January with no warning and no room to reduce it
- No clear picture of how salary, dividends and rental income interact
- Allowances and reliefs left unclaimed because no one flagged them in time
What a planned tax position looks like
When your tax is reviewed throughout the year rather than after it, the numbers become manageable. Allowances are used. The salary and dividend mix is optimised. Nothing arrives as a surprise.
- Your estimated tax liability is visible all year, not just in January
- Dividend, salary and rental income structured to reduce the combined bill
- Available reliefs and allowances identified and applied before the year closes
- Fixed monthly fee agreed upfront — no surprise charges for a planning review
What clients say about tax planning support
People who came in reactive and left with a plan they actually understood. That tends to be how it goes.
Daniel was very helpful with my books and tax return. He offered great advise and insight in how to manage my books better and more efficiently. His knowledge in tax law and what can be used for expenses really helped with saving money where I could. As a sole trader it’s really hard to keep on top of things and have now asked Dan to do monthly books for me. His rates are extremely good compared to some other accountants out there and I get more for my money.
Huge thanks to Daniel for helping ourselves with our taxes! Being self employed means we all have to do this ourselves which is just not possible on top of our work load. Thanks again! We will be using you again!
Personal tax planning, properly done
Three core elements that make up a useful personal tax service — not just a return filed, but a position that is understood and managed throughout the year.
Your Tax Bill, Forecast Early
Rather than waiting until after the tax year, your estimated liability is tracked as income comes in. You will know roughly what is owed before January — which means time to do something about it if needed. No surprises, no scrambling for funds at short notice.
Included as standardSalary and Dividend Optimisation
For limited company directors, how you extract income from the business makes a material difference to your personal tax bill. The right combination of salary and dividends is reviewed annually and adjusted as HMRC thresholds shift. The difference over a few years can be considerable.
For limited company directorsReliefs, Allowances and Planning Reviews
Capital gains annual exemptions, pension contributions, property allowances, marriage allowance — these are routinely missed when there is no one checking. A proactive planning review before the tax year ends ensures the available reliefs are actually used. Available as a standalone service or as part of your ongoing package.
Proactive and ongoingConsistently rated 5.0 across every review
Eight verified Google reviews, all five stars. Clients range from sole traders to company directors, across Torbay and beyond.
Professional Service, Never Any Worry
“Professional service. This company does my accounts every year and i never have to worry about it. Speedy as well. I am a very happy customer.”
Quick, Efficient and Friendly Throughout
“Excellent service providing financial accounts for probate. Quick, efficient and friendly. Would highly recommend.”
Fantastic Service, No Hesitation Recommending
“Fantastic service provided. Thank you.”
What makes the difference for personal tax clients
Most accountants file your return. Fewer actually help you plan it. Here is what that looks like in practice.
Tax advice grounded in real experience
Daniel has worked across airlines, construction, manufacturing and entertainment — industries where tax complexity is routine. That background means he understands how multiple income streams, directorship, property and investment activity interact, and how to structure them efficiently. You will not need to explain your situation twice.
Questions answered the day you ask
Personal tax planning only works if you can get a straight answer when something changes — a property sale, a bonus, a new income stream. DG Accountancy is known for fast, clear responses. You will not be waiting days for a reply on something time-sensitive.
Plain English, not tax jargon
The tax system is genuinely complicated, but your understanding of your own position should not be. Daniel explains what the numbers mean, what your options are, and what the practical implications of each choice look like — in language that makes sense, not letters full of HMRC references.
Up and running in four straightforward steps
Most new clients are fully onboarded within a week. The process is designed to be low-effort on your side from the start.
Book a free discovery call
A short conversation about your current tax position, your income sources and what you need from a planning perspective. No sales pitch — just an honest assessment of whether the service is the right fit.
Receive your fixed-fee quote
You will get a clear, written quote covering exactly what is included and what it costs each month. Everything is agreed before anything starts — no surprises later, no hidden rates for additional work that was always going to be needed.
Onboarding and records review
Your existing records are reviewed and any gaps identified. If your books need tidying or your previous returns need checking, that is flagged upfront with a clear cost. Most clients are fully set up within a week.
Ongoing planning throughout the year
Your personal tax position is monitored as the year progresses — not just reviewed after it ends. Reliefs are flagged, income is structured, and you know roughly what is owed well before January. Which is, frankly, the way it should work.
“I worked with Daniel at DG Accountancy to review and sign off my sole trader accounts for a time-sensitive mortgage application, and the service was excellent. Daniel was extremely responsive, clear, and professional throughout. He understood exactly what the lender required, turned everything around very quickly without cutting corners. Communication was straightforward and reassuring, which made a potentially stressful part of the mortgage process much easier. Fees were transparent, turnaround was fast, and the work was done thoroughly and accurately. I wouldn’t hesitate to recommend Daniel to anyone needing reliable accountancy support, particularly where deadlines really matter.”
Things people usually ask before getting started
I have income from employment, dividends and a rental property — can you handle all of that in one place?
Yes. Personal tax planning for clients with multiple income streams is a core part of what DG Accountancy does. Employment income, director dividends, rental profits and investment gains each have their own rules and reliefs, and the interaction between them matters. Rather than treating each source separately, the planning review looks at the combined picture to make sure allowances are used efficiently and nothing is missed.
What does personal tax planning cost, and what is included?
Fees depend on the complexity of your income — a straightforward Self Assessment with one income source costs considerably less than a full planning review covering multiple streams, CGT positions and dividend optimisation. All quotes are fixed and agreed before any work begins, so you will know exactly what you are paying and what it covers. There are no hourly rates and no surprise invoices for work that was always part of the scope.
My tax affairs are a bit disorganised — previous returns may not have been done properly. Is that a problem?
It is not uncommon. The first step is usually a review of what has been filed and what records exist, so any gaps or errors are identified before anything new is submitted. If previous returns need amending, that is handled directly with HMRC. Catch-up work is priced transparently and agreed upfront — there are no hidden costs for sorting out what came before.
Is there a minimum contract or lock-in period?
No. DG Accountancy operates on a rolling monthly basis with no long-term contract. If circumstances change or the service is not what you need, you are free to leave. Your records will be up to date and handed over cleanly. The aim is to be worth staying with, not difficult to leave.
Can you help me plan ahead for a property sale or other capital gain?
Yes, and ideally before the disposal rather than after. Once an asset is sold the gain is crystallised and the options narrow considerably. Reviewing a planned sale in advance means the annual CGT exemption, available reliefs and the timing of the disposal can all be considered. If you are thinking about selling a property or other asset, a short planning conversation before exchange is worth having.
When in the year should I be thinking about my personal tax position?
The useful answer is throughout the year, not in January. The most common planning opportunities — adjusting dividend levels, making pension contributions, using the CGT annual exemption, reviewing the salary and dividend mix — all have to happen before the tax year ends on 5 April. Once the year closes, the options are largely gone. A quarterly or annual planning review during the year is where the difference is made.
Stop guessing what your tax bill is going to be.
Personal tax planning from a Torbay-based ACCA-qualified accountant. Fixed fees, plain-English advice, and a position you understand well before January arrives.