Tax planning in Smethwick — from £249, fixed.
Before year-end is when tax planning works; after is when it's archaeology. Fixed-fee planning for Smethwick (B67) — personal, director and business reviews. Also serving Sandwell, St. Silas, Londonderry.
Tax Planning for Smethwick — done properly, entirely online
Directors deciding how to extract profits, higher earners near the £100k trap, landlords, families with uneven incomes, and anyone in Smethwick who suspects they're paying more than they need to.
What's included
- Full review of your current tax position
- Allowances and reliefs you're not using — pension, marriage, dividend, ISA interplay
- Salary/dividend and profit-extraction modelling for directors
- Timing moves before year-end while they're still available
- Written action plan — no jargon, no schemes, nothing HMRC would blink at
Why choose Bohzo Accountants in Smethwick?
Before we touch anything for a Smethwick client, the fee is in writing — and it stays put. Hourly billing doesn't exist here.
Upload, approve, filed. The whole engagement runs from your phone or laptop, on your schedule rather than office hours.
Bohzo Accountants is a trading name of Bohzo Ltd, Company No. 15031604.
Every filing date that applies to you goes in our diary the day you join — and we chase the records, not the other way round.
Compare our fixed tax planning fees
| Your situation | Fixed fee |
|---|---|
| Personal tax review | £249 |
| Director remuneration review | £249 |
| Business + personal combined review | £399 |
| Pre-year-end planning session (companies) | £299 |
“From” pricing reflects the simplest case; anything more complex is quoted as a fixed fee in writing before work begins — and never changes after.
Online accountants vs the high street
A high-street accountant in West Midlands typically bills by the hour, meets by appointment and prices each extra question. We work the other way round: one fixed fee agreed in writing before anything starts, every question included, and the whole engagement handled online — which is exactly why we can serve Smethwick at fees a walk-in office can't match.
There's no office to fund in Smethwick and no office to visit: records travel through our secure portal or WhatsApp, approvals happen on your phone, and filings go to HMRC and Companies House electronically. You get the same qualified work — minus the overheads, the travel and the surprises on the invoice.
Tax Planning in Smethwick: from first message to filed
A WhatsApp message from Smethwick is enough to start: what you need, what shape your records are in, any deadline you're worried about.
The quote arrives in writing, covers everything discussed, and is the number you'll actually pay. No revisions later.
Identity checks, engagement letter, secure record upload — all handled from wherever you are in Smethwick. We chase whatever's missing.
Nothing is filed until you've seen and approved it. Once you have, submission is electronic and confirmation comes straight back.
The same service in Smethwick as anywhere — by design
We built this service so that someone in Smethwick never pays a premium — or accepts worse service — because of geography. Same specialists, same published fees, same speed, wherever in West Midlands you are.
A lot of our West Midlands clients switched from local firms after one too many surprise invoices. The fix wasn't a cheaper local firm; it was removing the billing model that produces surprises. Fixed fees, in writing, before the work — that's the whole trick.
Where we work around Smethwick
Smethwick is part of West Midlands, in the B67 postcode area, with Sandwell its nearest neighbour — about 0.4 miles to the north-east. Geography still shapes who people call, so here's Smethwick's: the same fixed-fee service covers every place on this list, at the same price.
| Nearby | Distance from Smethwick | Direction |
|---|---|---|
| Sandwell | 0.4 miles | north-east |
| St. Silas | 0.6 miles | north-east |
| Londonderry | 0.8 miles | south-west |
| Soho | 0.9 miles | east |
| Smethwick, West | 0.9 miles | west |
Distances are straight-line, between place centres. Every listed place — and everywhere between — is served online at the same fixed fees.
Smethwick tax planning FAQs
Is this tax avoidance?
No. We use allowances and reliefs exactly as intended — pensions, ISAs, dividend planning, marriage allowance, timing of income and gains. Nothing we recommend requires disclosure schemes or would trouble an HMRC review. If a plan needs a QC's opinion, it's not our kind of plan.
What's the £100k trap?
Between £100,000 and £125,140 of income you lose the personal allowance at £1 per £2, creating a 60% effective rate — and childcare entitlements can vanish at £100k too. Pension contributions are usually the clean fix. If you're near the line, a review typically pays for itself many times over.
When should company directors do planning?
Two moments: before the company year-end (pension contributions, timing of expenditure) and before 5 April (personal allowances, dividend timing). The pre-year-end session covers both calendars for your dates.
Do I need to visit an office in Smethwick?
No — there's nothing to visit and nothing to print. We're an online firm: records go through our secure portal or WhatsApp, and everything is filed electronically. It works the same whether you're in Smethwick or anywhere else in West Midlands.
I searched "tax planning near me" — is this service really local to Smethwick?
Smethwick is fully covered, yes. The work is done online, which in practice means more local than an office: same-day replies instead of appointment slots, and the same published fixed fee whether you're in Smethwick town centre or the edge of West Midlands. If you'd rather talk it through first, WhatsApp us — a real person answers.
Who will actually handle my tax planning?
Bohzo Accountants — a trading name of Bohzo Ltd, a registered UK company (No. 15031604). You get a named contact, a fixed fee in writing, and nothing is filed until you've reviewed and approved it.
How do your fixed fees work?
You tell us your situation, we quote one fixed price in writing before any work starts, and that price never changes mid-job. If your case is unusually complex we'll say so up front and agree a different fixed price — but the fee is always agreed before we begin, never after.
From our inbox: what Smethwick businesses ask us
Incorporation isn't a milestone, it's a calculation: corporation tax versus income tax and NICs, dividend taxation, what you need to draw versus what can stay in the company, and whether limited liability matters for your work. For some Smethwick businesses it saves thousands; for others it's pure extra paperwork.
From April 2026, self-employed people and landlords with qualifying income over £50,000 move onto Making Tax Digital for Income Tax: digital records and quarterly updates to HMRC, not one annual return. The year before is the right time to get bookkeeping into shape.
Online Self Assessment returns are due by 31 January, along with any balancing payment — and HMRC's £100 penalty applies the moment the deadline passes, even if you owe nothing. Most Smethwick clients who come to us in January still file on time; the records just need to arrive before the last week.
Dividends can only be paid from accumulated profits, and paperwork matters: board minutes and dividend vouchers, dated correctly. "Illegal dividends" isn't dramatic language — overdrawn payments can be reclassified, with tax consequences, if the profits weren't there.
Receipts win arguments. HMRC doesn't demand a shoebox of paper any more — photos in an app are fine — but every deduction needs evidence behind it. A ten-minute weekly habit beats a January archaeology dig, every time.
If a return is late because HMRC asked for one you don't actually need, it can sometimes be withdrawn entirely — penalties included. And where there's a genuine reasonable excuse, appeals succeed more often than people expect. The wrong move is ignoring the letters.
Directors paying themselves a salary still need a PAYE scheme and RTI submissions, even in a one-person company. It's a five-minute monthly task with software — and a recurring penalty generator without it.
Rental profits need reporting once they're more than trivial, and the rules differ for furnished holiday lets, rent-a-room and ordinary lets. Landlords are also in the first wave of Making Tax Digital — property income counts towards the £50,000 threshold.
General guidance, not personal advice — thresholds and dates change. For advice on your own position in Smethwick, message us and we'll answer against your actual numbers.
Tax Planning near Smethwick
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