Blog / Tax planning
Tax planning for UK business owners
Notes from Simon Jacobs, Chartered Tax Adviser, on planning ahead of the tax year: income bands, reliefs and the decisions that change what you pay.
What tax planning should you do before 5 April 2027?
The 2026 to 2027 tax year ends on 5 April 2027. Before then, check your dividend allowance, pension contributions, ISA, Capital Gains Tax exempt amount and any planned business sale.
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Which taxes apply when you buy or sell a property?
Up to six: Stamp Duty Land Tax, Capital Gains Tax, Income Tax, National Insurance, VAT and Inheritance Tax. Which of them arise depends on the property and what you do with it.
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How does tax planning change as your income rises?
Each Income Tax band has its own planning points, from Marriage Allowance below £12,570 to the loss of the Personal Allowance between £100,000 and £125,140. Pensions feature in most of them.
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How to reduce your agency's corporation tax (legitimately)
Legitimate ways a UK marketing agency can bring its corporation tax bill down, what actually reduces taxable profit, and why dividends do not.
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How to choose a tax adviser for your marketing agency
Searching for a tax adviser for your UK marketing agency? Here is how to judge one on specialism, credentials, and planning, and what genuinely good looks like.
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The 60% tax trap, and why agency owners keep hitting it
Between £100,000 and £125,140 of income, an odd quirk of the UK system taxes every extra pound at an effective 60 percent. Here is why it happens, and why agency founders hit it so often.
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Tax avoidance vs tax evasion: which one is illegal?
Most people think tax avoidance is illegal. It is tax evasion that is illegal. Here is where the line sits, what HMRC means when it uses the word avoidance, and why proper planning is the route that survives scrutiny.
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Why you should not use Claude for your taxes
AI is brilliant at sounding certain. Tax is the one place where confident and wrong is the most expensive combination there is.
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Three tax reliefs most marketing agency owners never look at
SEIS, R&D tax credits and EMI share schemes. Three reliefs written into law that agency owners routinely leave alone, usually because nobody ever told them the conditions.
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Which allowances let an agency owner take money tax-free?
Four allowances worth knowing, with the 2026/27 figures: the trading allowance, the personal allowance, the capital gains annual exempt amount and the ISA limit. Using them properly before the tax year ends is the whole trick.
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Earning over £60,000 and claiming Child Benefit? What HMRC takes back
The High Income Child Benefit Charge is based on the highest earner in the household, not the household total. That is why one parent on £80,000 can lose all of it while a couple on £59,000 each keeps the lot.
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Plan your tax around the exit, not just the year-end
If the plan is to sell in five to ten years, the decisions you make now shape both your tax bill and your valuation. Year-end tidy-ups miss most of that.
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