Personal Tax Planning UK

Many higher earners, directors, landlords, and self-employed professionals pay more tax than necessary because planning starts too late. We assess your position early so decisions are made clearly and in line with HMRC requirements.

Legend Fusions is the UK advisory brand evolved from Legend Financial & Tax Advisers, unifying tax, compliance, and advisory services under one international group.
Serving clients in London, Bolton, Milton Keynes and throughout the UK.

How We Assess Your Tax Position

We assess how your income is earned, taxed, and reported to identify exposure, planning gaps, and decisions that need to be made early.
years experience
+
Across complex personal tax cases, HMRC enquiries, and ongoing advisory work, delivered by a dedicated tax planning specialist.

Do You Need to File a Tax Return?

A UK Self-Assessment tax return is required if one or more of the following apply:

✓ Self-employed or operating as a sole trader
✓ Rental or property income
✓ Dividend income above the allowance
✓ Company directorship
✓ Asset disposals resulting in capital gains
✓ Income arising outside the UK
✓ Child Benefit where income exceeds the threshold
✓ Work carried out under the Construction Industry Scheme (CIS)

HMRC requirements are not always clear. A tax consultant can confirm whether a return is required and advise on the next steps.

What This Service Includes

This service looks at how your income is received, structured, and taxed so planning happens before deadlines, not after.

✓ How your income is taxed across all sources
✓ Use of allowances, reliefs, and tax bands
✓ Dividend income and timing
✓ Pension contributions and available allowances
✓ Savings and investment income
✓ Tax risks and inefficiencies
✓ Planning ahead of the tax year end
✓ Ongoing review as income or circumstances change

The work is focused on accuracy, compliance, and practical planning that informs decisions before deadlines apply. 

How We Work with You

Our process is planning-led, with structured checks to ensure decisions remain compliant with HMRC requirements.

Information review

You provide your income details and supporting documents securely.

Planning assessment and figures

We prepare the calculation and review the figures and liabilities with you.

Approval and submission

Once approved, we submit to HMRC within the required deadlines.

What Our Clients Say

“The advice was clear, practical, and backed by a solid understanding of HMRC requirements. The process was handled efficiently from start to finish.”

Company Director, London

A late Self-Assessment was dealt with calmly and professionally. Communication with HMRC was managed properly, which removed a lot of pressure.”

Sole Trader, London

“Reliable, responsive, and thorough. My tax position was reviewed carefully, and everything was explained before submission.”

Landlord, London

Related Tax & Advisory Services

HMRC Tax Investigations

Support responding to HMRC enquiries, compliance checks, and investigations.

Cross-Border Taxation

Advice on overseas income, residency status, and UK tax obligations.

R&D Tax Credits

Eligibility review and claims support for qualifying research and development activity.

EIS & SEIS

Guidance on investor reliefs, eligibility, and compliance requirements.

Capital Gains Tax

Advice and reporting support for asset and property disposals.

Inheritance Tax

Planning support where estate exposure is identified.

Capital Allowances

Review and claims to ensure qualifying expenditure is identified and applied correctly.

Common Personal Tax Situations We Handle

Dividends

Property

Investments

Pensions

Where We Work

We work with clients across the UK through secure online consultations. In-person meetings are available by appointment at our London office.

Additional Tax Resources

Self Assessment deadlines explained

Self Assessment deadlines explained

Documents needed for a tax return

Documents needed for a tax return

Penalties for late tax filing

Penalties for late tax filing

Frequently asked questions

What is personal tax planning in the UK?
Personal tax planning reviews how income, allowances, and reliefs are used to reduce avoidable tax and manage liabilities before deadlines apply.
It is most relevant for higher-rate taxpayers, company directors, self-employed individuals, landlords, and anyone with multiple income sources.
Yes. Self-Assessment reports what has already happened, while tax planning focuses on decisions made in advance to influence future tax outcomes.
Where appropriate, planning can reduce income tax by reviewing allowances, tax bands, pension contributions, and income structure.
Yes. Self-Assessment preparation and filing is provided alongside planning to ensure accuracy and HMRC compliance.
Dividend income is reviewed alongside other income to assess allowances, timing, and tax band impact.
Yes. Pension contributions and annual allowances are reviewed to manage current liabilities and long-term tax efficiency.
Yes. Where disposals are involved, planning may include referral to our Capital Gains Tax service for specialist support.
Where estate exposure is identified, advice may extend to our Inheritance Tax service for further planning.
Support can be provided through our HMRC investigations service if enquiries or compliance checks arise.
Yes. Where relevant, matters may be reviewed in conjunction with our cross-border tax services.
Yes. Personal tax planning is provided UK-wide through secure consultations, with in-person meetings available by appointment.

Ready To Confirm Your Tax Position?

Speak with a tax consultant to review your situation, clarify what’s required, and deal with your return properly.