Tax planning in Tower — from £249, fixed.
Most people overpay tax not through error but through inaction — unused allowances, poor timing, default structures. Our fixed-fee reviews find what Tower taxpayers are leaving on the table, legitimately. Serving Tower and nearby Tower Hill, Fenchurch Street, Aldgate.
Tax Planning for Tower — done properly, entirely online
Directors deciding how to extract profits, higher earners near the £100k trap, landlords, families with uneven incomes, and anyone in Tower 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 Tower businesses pick Bohzo
Your fee is agreed before any work starts and never changes mid-job. No hourly billing, ever.
Records in over the portal or WhatsApp, approvals from your phone, filings sent electronically — Tower to HMRC without a single appointment.
Bohzo Accountants trades as Bohzo Ltd, registered in the UK under Company No. 15031604 — check us on Companies House any time.
We track every HMRC and Companies House date that applies to you, so you don't have to.
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
Most local firms near Tower quote low, bill by the hour and reserve the right to charge for every phone call. Our model inverts that: the fee is fixed and written down before work begins, questions are part of the service rather than billable events, and everything happens online — the reason Tower pays the same as everywhere else.
There's no office to fund in Tower 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 Tower: from first message to filed
Start with a message — no forms, no phone queue. Tell us what needs doing and we take it from there.
One fixed price before any work starts. Complex case? We say so now, not on the invoice.
The legal bits — ID verification, engagement letter — happen online in minutes, then your records come in via the portal or WhatsApp.
We prepare, you check and approve, we submit — and you get the HMRC confirmation the same day it's filed.
The same service in Tower as anywhere — by design
Whether your business trades from Tower itself or you simply live there and work everywhere, the tax rules are national — and so are we. Tower clients get the same preparers, the same fixed fees and the same deadline tracking as every other town on this site.
London clients in Tower tend to arrive with more moving parts — employment plus side income, shares, property. That's fine: the fixed quote covers your actual situation, agreed before we start, however many supplementary pages it needs.
Where we work around Tower
Tower sits in the borough of City of London (Tower ward), EC3N postcode area. Geography still shapes who people call, so here's Tower's: the same fixed-fee service covers every place on this list, at the same price.
| Nearby | Distance from Tower | Direction |
|---|---|---|
| Tower Hill | 0.1 miles | south |
| Fenchurch Street | 0.2 miles | west |
| Aldgate | 0.2 miles | north |
| Tower of London | 0.2 miles | south |
| Portsoken | 0.2 miles | north |
Distances are straight-line, between place centres. Every listed place — and everywhere between — is served online at the same fixed fees.
Tower 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 Tower?
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 Tower or anywhere else in Central London.
I searched "tax planning near me" — is this service really local to Tower?
Tower 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 Tower town centre or the edge of Central London. 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.
Tax, briefly — the parts that affect Tower
Miss 31 January and the £100 fine is automatic; three months later daily penalties start. If you're behind on a return, the maths almost always favours filing quickly over waiting — penalties grow on a timetable, and HMRC charges interest either way.
The £90,000 VAT threshold is measured over any 12-month rolling window, so a strong few months can tip you over mid-year. There's a 30-day window to register once you cross it; miss that and HMRC can backdate the liability to when you should have registered.
The trading allowance means up to £1,000 of gross side income per year can be tax-free with no return needed. Above that, registration and reporting kick in — and platforms now report seller data to HMRC, so "under the radar" isn't a strategy any more.
Crypto traders rack up hundreds of taxable events without noticing, because every swap counts as a disposal. Specialist software plus the pooling rules turns the mess into a number; guessing does not.
Changing accountant mid-year is routine: you authorise the new firm, we write a professional clearance letter to the old one, records transfer, and HMRC authorisation moves online. Clients are usually surprised the whole thing needs almost nothing from them.
Good records aren't about neatness — they're about money: claims you can evidence, VAT you can reclaim, and an accountant who spends billable time on advice rather than sorting. Bank feeds plus a receipts app gets most small businesses to "tidy" in minutes a week.
Plenty of people incorporate too early because it "sounds established", then pay for accounts, confirmation statements and payroll they didn't need. The switch pays for itself at the right profit level — the trick is knowing yours.
Most self-employed people under-claim. Use of home, mileage at HMRC's approved rates, phone and broadband apportionment, trade subscriptions, training that updates existing skills — legitimate deductions left on the table add up to real tax overpaid year after year.
General guidance, not personal advice — thresholds and dates change. For advice on your own position in Tower, message us and we'll answer against your actual numbers.
Tax Planning near Tower
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