Your company, your money – planned properly
When you own and run your own company, the line between business and personal tax is thin. Every decision affects both what the company pays and what ends up in your pocket: what you pay yourself, when you take dividends, whether you put money into a pension, how you eventually sell or pass the business on.
That’s the work we enjoy most. Everyday Accountants is run by Adrian Hargreaves, an ICAEW Chartered Accountant and Chartered Tax Adviser (CTA) who worked at PwC before setting up the practice in 2022. You get joined-up company and personal tax advice, not just a set of accounts once a year.
What we do for owner-managers
- Directors’ pay planning. We work out the best mix of salary, dividends and employer pension contributions for each director, every year. For 2026/27, dividend tax is 10.75% at the basic rate, 35.75% at the higher rate and 39.35% at the additional rate, and the dividend allowance is £500. That makes getting the mix right more valuable than it used to be.
- Corporation tax. Year-end accounts and CT600s. We plan around the 19% small profits rate, the 25% main rate, and the marginal relief band between them.
- Employer costs. Employer National Insurance is 15% above £5,000 a year per employee. We check whether you can claim the £10,500 Employment Allowance (most companies where the director is the only employee can’t).
- Directors’ loan accounts. We keep them under control and plan repayments so they don’t trigger an extra corporation tax charge (s455) or a benefit-in-kind charge.
- Incorporation, sale and succession. We advise on moving a business into a company, including the formal claim now needed for incorporation relief. We also plan a sale using Business Asset Disposal Relief (18% from 6 April 2026), and use Business Property Relief to pass the business on.
- Management information. Monthly or quarterly figures from Xero, QuickBooks or Sage, so decisions are made on today’s numbers.
Who this is for
Owner-managed companies, usually with one to a few shareholders who work in the business, from start-ups to established firms. Our clients include manufacturers, construction firms, hospitality businesses and creative agencies. See our Manchester, Oldham and Rochdale pages for case studies.
Planning ahead for the family
If the company is a large part of your wealth, inheritance tax matters too. From April 2026, 100% Business Property Relief is capped at £2.5 million per person, with 50% relief above that. See Inheritance tax in 2026/27: what’s changed.
Why clients trust us
- Chartered Accountants regulated by the ICAEW
- Run by a Chartered Tax Adviser (CTA), previously with PwC
- Certified in Xero, QuickBooks and Sage
- Fixed monthly fees agreed upfront, with no surprise bills