We cut through the complexity of finances so that you can focus on building, growing, and planning for what comes next.
ACA QUALIFIEDICAEW MEMBERXERO CERTIFIED7+ YEARS EXPERIENCEUK-BASED
WHO WE ARE
Your financial partner. From foundations to growth.
Murangi & Co was built with one purpose in mind: to give business owners and individuals better understanding and tools to help them reach their full financial potential.
We work with SMEs, start-ups, and individuals across the UK, offering bookkeeping, fractional CFO, strategic finance analysis, and more.
We simplify the financial side of your business so that you can better understand your numbers — and use them to make sharper, more confident decisions.
"Insight · Strategy · Impact"
WHO WE SERVE
The right support, at the right stage.
01
For Start-Ups & Early-Stage Businesses
Get the financial foundations right from day one. Clean books, proper compliance, Xero set-up, MTD registration, and annual filings — so you can focus on building, not firefighting.
02
For Growing SMEs
Go beyond compliance. Cash flow forecasting, financial modelling, quarterly reviews, and strategic oversight that helps you make decisions with confidence and positions your business for the next level.
03
For Individuals
From self assessment tax returns to full personal financial planning — we help individuals understand their finances, reduce their tax liability, and build a plan that works for them.
HOW IT WORKS
Three steps to financial clarity.
1
Book a free consultation
Tell us about your business or personal situation, the challenges you are facing, and where you want to get to. No obligation, no hard sell — just a focused conversation with a qualified accountant.
2
We recommend the right support
Based on what we learn, we outline the services or package that fits your stage, your goals, and your budget — explained clearly, before you commit to anything.
3
We take it from here
From onboarding and HMRC notifications to ongoing filings and financial oversight — we handle everything. You focus on your business. We keep the financial side sharp.
OUR MOTTO
Three words behind everything we do.
01
Insight.
Clear books, real analysis, and a genuine understanding of where your business stands.
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02
Strategy.
A plan built ahead of time — tax, cash flow, and growth thought through, not reacted to.
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03
Impact.
Advice that shows up in the results: money saved, time back, better decisions made.
Ready to simplify your finances and start growing?
Whether you are running a business or managing your personal finances — Murangi & Co has the expertise to help. Book a free, no-obligation 30-minute consultation today.
ABOUT US
"The financial partner your business deserves."
Murangi & Co is built on the belief that professional financial expertise should be inclusive to all organisations.
OUR STORY
Built to close the gap.
Too many small businesses and individuals are navigating their finances without the right support. Not because the support does not exist — but because it has historically been designed for larger organisations with bigger budgets and dedicated finance teams.
The reality for most SMEs and start-ups looks very different. Books that are difficult to interpret. Uncertainty around HMRC compliance. No clear picture of cash flow or financial health.
Murangi & Co was built to close that gap. We bring the financial expertise, the analytical rigour, and the commercial thinking that growing businesses need — and we make it accessible, practical, and genuinely useful at every stage of the journey.
"ACA Qualified · Big Four Trained · Xero Certified"
BEHIND THE PRACTICE
Meet the person behind Murangi & Co.
"Bridging the gap between what large corporates have — and what small businesses need."
Murangi & Co was founded by Mbajo Murangi, an ACA-qualified Chartered Accountant and ICAEW member, with over seven years of experience across finance and audit.
With a passion for and deep understanding of the importance of financial literacy, we know that good accounting is not just about the numbers. It's about strategic financial decisions, understanding compliance, and using laws to your advantage — for savings, for planning, and for the decisions that help a business grow.
Having worked across Big Four audit engagements with banks, insurance companies, and payments businesses, and having acted as Reporting Accountant on IPO readiness engagements, Mbajo brings both the skills and the expertise to Murangi & Co with the aim of doing one thing: bridging the gap.
Mbajo Murangi
ACA · FOUNDER, MURANGI & CO
From that exposure to businesses at scale, one thing becomes clear. There is a real gap between what large corporates have access to — the tools, the expertise, the strategic financial thinking — and what SMEs and smaller businesses can practically get their hands on.
EXPERIENCE & EXPERTISE
Built on evidence and expertise.
ACA Chartered Accountant
Institute of Chartered Accountants in England and Wales (ICAEW)
First Class Honours
BSc Forensic Accounting, University of South Wales
Big Four training at KPMG Manchester
Audit Associate through to Assistant Manager
Reporting Accountant on IPO engagements
SIR 2000 accountant's reports for prospectus inclusion
FCA, PRA, and CASS regulatory frameworks
Applied across banking, payments, and asset management audits
FRC Audit Quality Review support
Engagements reviewed to the highest standard of audit documentation
Best Overall Project Award
Live project on international fraud for the Development Bank of Wales and Gough Square Chambers Law
At Murangi & Co, our ACA-qualified professionals hold themselves to the highest standards set by the Institute of Chartered Accountants in England and Wales.
The ICAEW is one of the world's leading professional bodies for chartered accountants, recognised as a benchmark of technical excellence, ethical conduct, and financial integrity.
ACA Qualification
A qualification built across accounting, audit, assurance, tax, business strategy, and corporate finance, ensuring the knowledge and exposure to advise at every level
Practical Experience
Big Four experience across banking, insurance, and payments engagements, bringing tested controls, operations, and assessment methods into the work we deliver at Murangi & Co
Ethics & Scepticism
Bound by the ICAEW Code of Ethics: integrity, objectivity, and independence
Continuing Development
An ICAEW requirement to evidence continued development through ongoing training and learning, keeping the methods, systems, and knowledge our clients rely on up to date
WORKING WITH US
What to expect.
When you work with Murangi & Co, you deal directly with a qualified accountant from the first conversation to the last. We take time to understand your business, your goals, and your challenges — and we build a working relationship that goes beyond the annual accounts.
We are responsive, transparent about costs, and always available to talk. If something changes in your business or your personal situation, we want to know — because that is exactly when the right financial advice makes the biggest difference.
→ GET IN TOUCH
OUR VALUES
What we stand for.
Rigour
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Rigour
Every figure, every filing, every recommendation — held to the same high professional bar, regardless of engagement size.
Clarity
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Clarity
Plain English, always. We make sure you understand your financial position at every stage. No jargon. No surprises.
Commitment
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Commitment
We are invested in your outcome, not just your invoice. Your success is the measure of whether we have done our job properly.
Integrity
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Integrity
Honest advice, even when it is not what you want to hear. You will always know where you stand.
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Ready to simplify your finances and start growing?
Book a free, no-obligation 30-minute consultation with a qualified accountant.
SERVICES
Everything you need to move forward.
Every service is designed around one question: what does this client actually need to move forward?
FOR BUSINESSES
01
Bookkeeping Automation & Setup
We configure a cloud-based accounting system — primarily Xero — tailored to your business. Bank feeds, VAT tracking, transaction categorisation, and ongoing oversight to keep everything accurate and audit-ready.
Clean, real-time financial data is the foundation everything else is built on. This service also ensures you are fully ready for Making Tax Digital.
→ LEARN MORE
02
Financial Statements & Statutory Filings
We prepare and submit all required statutory documentation — annual financial statements, Companies House filings, Corporation Tax returns (CT600), and VAT returns. Filed on time, every time.
Missing deadlines or submitting incorrect information carries real penalties. A qualified accountant responsible for these filings removes that risk entirely.
→ LEARN MORE
03
Making Tax Digital Compliance
MTD requires businesses to maintain digital records and submit tax information through HMRC-compatible software. Compliance thresholds: April 2026 (£50,000), April 2027 (£30,000), April 2028 (£20,000).
Most business owners are unaware of where they stand on MTD or what compliance actually requires. The window to act is narrowing. We make it straightforward.
→ LEARN MORE
04
Fractional CFO & Strategic Finance Advisory
Senior-level financial thinking on a flexible basis — cash flow management, forward-looking projections, financial modelling, and strategic advice aligned to your current priorities.
Most growing businesses cannot justify a full-time Finance Director — but they face exactly the decisions that require that level of expertise. This service bridges that gap.
→ LEARN MORE
FOR INDIVIDUALS
01
Personal Tax Returns & Planning
We prepare and submit your SA100 to HMRC, filed ahead of your deadline — and proactively review your position to legally reduce what you pay: pension contributions, ISA allowances, reliefs, and the timing of income or asset disposals.
→ LEARN MORE
02
Personal Financial Planning & Budgeting
One-to-one financial planning for individuals who want a clearer picture of their finances and a realistic plan — whether that is property, debt, investment, or long-term financial security.
→ LEARN MORE
Not sure which service is right for you?
Book a free 30-minute consultation and we will talk it through together — no obligation, no hard sell. Just an honest conversation about what you actually need.
SERVICES/FOR BUSINESSES
Bookkeeping, Automation & Setup.
Clean books. Clear picture. A business that runs on real numbers.
THE PROBLEM
Most business owners start out doing what makes sense — tracking income and expenses in a spreadsheet, saving receipts in a folder, or handing a box of documents to an accountant once a year.
For a while, it works. Then the business grows, transactions multiply, and what started as a manageable system quietly becomes a liability.
Without clean, up-to-date books, you cannot understand your profitability, plan for tax, or approach a lender with confidence. You do not know whether the business is actually profitable until months after the fact. Tax bills arrive as shocks rather than planned expenses. When it comes to applying for a loan or bringing in investment, disorganised records signal risk and close doors.
The root cause is almost always the same: the business never had a proper financial system set up in the first place. This service fixes that — properly, sustainably, and in a way that puts the business owner back in control.
WHAT WE OFFER
Everything you need, set up properly.
End-to-End Xero Setup
We configure your Xero accounting system from the ground up, tailored specifically to your business — not a generic template. A chart of accounts structured to reflect how your business actually operates. Bank feeds connected so transactions flow in real time. VAT configuration aligned to your scheme — standard, flat rate, cash accounting, or annual. Invoice and payment templates branded and set up. Automated categorisation rules built around your specific income streams and expense patterns.
Cleanup & Migration
If your books are currently in a spreadsheet, another platform, or simply a mess, we handle the migration and cleanup before the new system goes live. There is no point building on a shaky foundation — so we ensure the numbers going into Xero are accurate, complete, and reconciled before anything is handed over.
Ongoing Oversight
Once your system is live, we provide ongoing oversight to keep it accurate — reviewing transactions, catching miscategorisations, flagging anomalies, and ensuring your financial reports are always reliable. This is not about doing your bookkeeping for you indefinitely. It is about making sure the system works and the records remain trustworthy.
Making Tax Digital Readiness
Xero is fully MTD-compatible. By setting your business up on Xero now, you are not just solving today's bookkeeping problem — you are also ensuring that when Making Tax Digital obligations apply to your business, you are already compliant. No scramble. No last-minute changes. No penalties.
Training & Handover
Every setup includes a structured training session so you — and any relevant team members — know how to use the system confidently. We cover how to record income and expenses correctly, how to reconcile your bank account, how to read your Profit & Loss and Balance Sheet, and what to do when something does not look right. The goal is not dependency. The goal is that you understand your own finances and operate with confidence.
Powered by Xero.
Client Advisory & Training.
Not just automation — hands-on skills so you own your numbers.
Clean Reporting.
WHAT YOU GET OUT OF IT
A foundation you can build on.
A fully configured, live Xero system tailored to your operations
Clean, reconciled financial records you can rely on
Real-time visibility into income, expenditure, and cash position
VAT setup that works correctly and automatically
MTD-compliant digital records already in place
The knowledge and confidence to manage your books day to day
A qualified professional reviewing your records on an ongoing basis
WHY THIS MATTERS
Without clean, up-to-date books, every other financial decision is made in the dark. Getting this right from the start — or cleaning it up early — saves significant time and cost down the line. It is the foundation everything else is built on.
WHO THIS IS FOR
Built for businesses at every stage.
New businesses that want to get their finances set up correctly from the start
Growing businesses that have outgrown spreadsheets and need a proper system
Business owners taking over from a previous bookkeeper and finding records in poor shape
Businesses preparing for their first VAT registration
Anyone approaching a funding round, loan application, or investor conversation who needs clean, credible financials
Available as part of the Foundation, Growth, and Strategic packages, or as a standalone engagement.
Ready to get your books on the right footing?
Book a free 30-minute introductory call. We will talk through where you are, what you need, and whether this service is the right fit — no obligation, no hard sell.
SERVICES/FOR BUSINESSES
Financial Statements & Statutory Filings.
Every deadline met. Every filing done right. Your business protected.
THE PROBLEM
Statutory filing is the part of running a business that most owners dread — and for good reason. The deadlines are multiple, the requirements overlap, and the consequences of getting it wrong are real. Companies House and HMRC operate on different filing calendars, and many business owners are unaware that their accounts filing deadline and their Corporation Tax deadline are not the same date — each carrying its own penalty regime.
Accounts prepared without proper accounting knowledge often contain errors — misclassified expenses, incorrect depreciation, missing disclosures — that can cause problems with HMRC or misrepresent the financial position of the business. VAT returns filed incorrectly can result in investigations, penalties, and unexpected bills. And when statutory accounts do not accurately reflect the business’s financial position, lenders, investors, and potential partners are making decisions based on wrong information.
Late filing penalties with Companies House start small but escalate quickly. HMRC late filing and payment penalties can become significant, particularly when interest compounds over time. With a qualified professional handling these obligations, it simply does not happen.
WHAT WE OFFER
Everything you need, filed on time.
Annual Financial Statements
We prepare your statutory financial statements in accordance with applicable accounting standards — for most small companies, that means FRS 102 Section 1A or FRS 105 for micro-entities. This includes the Profit and Loss Account, Balance Sheet, notes to the accounts where required, and the Directors’ report where applicable. Accounts are prepared from your underlying records, reviewed for accuracy and completeness, and formatted for both Companies House submission and your own management use.
Companies House Filings
We handle the preparation and submission of your annual accounts to Companies House, as well as your confirmation statement — the annual filing that confirms your company’s registered details are accurate and up to date. Both are submitted on time, every time.
Corporation Tax Return (CT600)
We prepare and submit your Corporation Tax return to HMRC, including computation of taxable profits, identification of all allowable deductions and reliefs, and calculation of the tax liability due. Any capital allowances your business is entitled to are correctly claimed.
VAT Returns
Where applicable, we prepare and submit your VAT returns on a quarterly or monthly basis, ensuring input and output tax is correctly calculated and that all returns are filed through MTD-compatible software in line with HMRC requirements.
Deadline Management
We track all relevant filing and payment deadlines on your behalf and communicate them to you well in advance — so nothing is ever a surprise, and nothing is ever late.
We speak HMRC, so you don't have to.
A second pair of expert eyes, every time.
Filed right. Filed on time. Every time.
WHAT YOU GET OUT OF IT
A foundation you can stand on.
Every statutory obligation met, on time and correctly
Financial statements that accurately reflect the position of your business
Corporation Tax computed correctly, with all available reliefs claimed
VAT returns filed accurately and on time
Complete peace of mind with Companies House and HMRC
Accounts you can confidently share with lenders, investors, or partners
WHY THIS MATTERS
Beyond compliance, accurately prepared statutory accounts are essential when approaching lenders, investors, or potential business partners. They are not just a legal requirement — they are a signal of how seriously the business is being run.
WHO THIS IS FOR
Built for every limited company.
Limited companies with annual filing obligations to Companies House and HMRC
Businesses approaching their first year-end who want accounts prepared properly from the start
Business owners who have been managing filings themselves and want to hand this over
Businesses that have received correspondence from HMRC or Companies House and need to get back into good standing
Any business seeking finance or investment where clean, accurate statutory accounts are a prerequisite
Available as part of the Foundation, Growth, and Strategic packages, or as a standalone engagement.
Need your filings handled properly?
Book a free 30-minute call. We’ll review where you are with Companies House and HMRC, and outline what proper handling of your filings looks like — no obligation, no hard sell.
SERVICES/FOR BUSINESSES
Making Tax Digital & Compliance.
The deadline is closer than you think. Get ahead of it now.
THE PROBLEM
Making Tax Digital is one of the most significant changes to the UK tax system in a generation — and the majority of small business owners are either unaware of what it requires, unclear on when it applies to them, or assuming it is someone else’s problem to solve.
The timeline is moving fast. MTD for Income Tax applies from April 2026 to sole traders and landlords with income above £50,000. The threshold drops to £30,000 in April 2027 and £20,000 in April 2028. Many people affected by the 2026 deadline do not yet know it applies to them.
Businesses using spreadsheets, manual records, or older accounting software do not meet HMRC’s MTD requirements and will need to change. Businesses already filing VAT returns digitally sometimes assume they are fully MTD compliant — they are not. MTD for Income Tax is a separate and more extensive requirement. And even businesses using Xero still need to be formally registered for MTD; compatibility and registration are not the same thing.
HMRC’s points-based penalty system means missed or late quarterly submissions will accumulate penalty points, eventually triggering financial penalties. The businesses that manage this transition smoothly are the ones that act before the deadline — not at it.
WHAT WE OFFER
Everything you need, end-to-end.
MTD Readiness Assessment
We start with a clear assessment of where your business currently stands in relation to MTD requirements — what applies to you, when, and what needs to change. This removes the confusion and gives you a straightforward picture of what needs to happen.
Digital Records Setup
If your business is not yet maintaining digital records in an MTD-compatible format, we set that up through Xero, which is fully compatible with HMRC’s requirements. Your records will be structured, categorised, and maintained in a way that satisfies MTD obligations from day one.
HMRC Registration
We handle your formal MTD registration with HMRC, ensuring your business is correctly enrolled and that your software is properly linked to your tax account. This is a step many businesses miss — and a necessary one.
Quarterly Submission Management
Under MTD for Income Tax, businesses are required to submit quarterly updates to HMRC summarising income and expenses. We manage these submissions on your behalf — accurately, on time, and through compliant software — so the quarterly obligation becomes a routine part of your financial calendar rather than a source of stress.
End of Period Statement & Final Declaration
At the end of each tax year, MTD requires an End of Period Statement and a Final Declaration to be submitted to HMRC. We prepare and submit both, incorporating any year-end adjustments and ensuring your tax position is accurately reported.
Ongoing Compliance Monitoring
MTD requirements are still evolving. We monitor developments and ensure your business remains compliant as the rules are refined — so you are never caught out by a change you were not aware of.
Digital filing, done right, first time.
MTD-ready with Xero, built in from day one.
Stay compliant. Stay stress-free.
WHAT YOU GET OUT OF IT
A foundation you can get ahead.
Full clarity on what MTD requires of your business and when
Digital records maintained in an HMRC-compatible format
Formal MTD registration completed correctly
Quarterly submissions managed on your behalf
Year-end statements prepared and filed accurately
No penalties, no scramble, no last-minute system overhauls
WHY THIS MATTERS
For businesses already using Xero, a significant portion of the groundwork is already in place — but formal registration and correct quarterly filing still need to happen. For those not yet using digital tools, the window to get ready is narrowing. Acting now means building the good financial habits that support the wider operation of the business.
WHO THIS IS FOR
Built for anyone facing the deadline.
Sole traders and landlords with income approaching or above £50,000
Businesses still using spreadsheets or manual records that need to transition to digital systems
Xero users who are not yet formally registered for MTD
Any business owner who wants to get this resolved properly before it becomes urgent
Available as part of the Foundation, Growth, and Strategic packages, or as a standalone engagement.
Ready before the deadline?
Book a free 30-minute call. We’ll assess where you stand on MTD, what applies to you, and what needs to happen — well ahead of any HMRC deadline.
SERVICES/FOR BUSINESSES
Fractional CFO & Strategic Advisory.
The financial expertise your business needs. Without the full-time hire.
THE PROBLEM
There is a gap that sits at the heart of most growing small businesses. On one side, there are the day-to-day financial tasks: bookkeeping, VAT, payroll, filing. On the other, there are the bigger strategic questions: Can we afford to hire? Should we take on this contract? What does our cash position look like in six months? Are we ready to approach investors?
Most small businesses have something handling the first category. Almost none have anyone handling the second. And that gap is where costly decisions get made without the right information, where growth opportunities are missed, and where businesses that should be thriving find themselves constantly reactive rather than in control.
A full-time Finance Director or CFO costs between £80,000 and £150,000 a year. For an early-stage or growing SME, that is not a realistic hire. So the strategic financial thinking simply does not happen — or it falls to a business owner already stretched across every other function of the business. This service closes that gap.
WHAT WE OFFER
Everything you need, senior-level thinking.
Financial Analysis & Reporting
We produce clear, management-focused financial reporting that gives you a real picture of your business — not just statutory accounts once a year, but regular analysis of where your money is coming from, where it is going, and what the numbers are telling you. This includes margin analysis, cost reviews, revenue tracking, and commentary that translates figures into decisions.
Cash Flow Management & Forecasting
Cash flow kills more businesses than bad strategy. We build and maintain a rolling cash flow forecast — modelling income, expenditure, and timing — so you always know what your cash position looks like weeks and months ahead. This means you can plan hires, manage supplier payments, anticipate shortfalls, and make investment decisions with confidence rather than anxiety.
Financial Modelling
When your business faces a significant decision — taking on a major contract, opening a new location, bringing in a business partner, applying for a loan — we build the financial model that tests it properly. Scenario analysis, sensitivity testing, break-even modelling: the rigorous financial thinking that gives you confidence in a decision before you commit to it.
Funding & Investor Support
If your business is raising finance — through a bank loan, a grant, angel investment, or a structured funding round — we support the financial side of that process. This includes building investor-ready financial projections, preparing the financial sections of funding applications, and ensuring your numbers tell a coherent, credible story to whoever is on the other side of the table.
Strategic Finance Advisory
Beyond specific projects, this service provides ongoing access to senior financial thinking as your business evolves. That might mean input on a pricing decision, a view on a potential acquisition, advice on how to structure a contract, or simply a quarterly conversation about where the business stands financially and what the priorities should be. The value is having someone qualified and commercially aware in your corner — consistently, not just at year-end.
Strategic advisory, on your side.
Ongoing support for the decisions that matter.
Investor-ready, every step of the way.
WHAT YOU GET OUT OF IT
A foundation you can lead with.
Regular, meaningful financial reporting you can use to run the business
A rolling cash flow forecast that removes uncertainty from financial planning
Rigorous financial modelling for major business decisions
Investor-ready financial projections and funding support when you need it
Ongoing access to CFO-level thinking — without the full-time cost
Financial decisions made from a position of clarity, not guesswork
WHY THIS MATTERS
Most SMEs at the early and growth stages cannot justify a full-time Finance Director, yet they face decisions that require exactly that level of thinking. Whether considering a loan, preparing to pitch investors, or simply trying to understand where the money is going, having a qualified finance professional involved in those conversations can be the difference between a well-structured decision and a costly one.
WHO THIS IS FOR
Built for businesses with ambition.
Early-stage businesses growing fast and needing financial structure to match
Businesses approaching a funding round or investor conversation
Business owners preparing a loan or grant application who need robust financial projections
SMEs making a significant strategic decision — a new hire, location, or product line — and wanting proper financial analysis before committing
Any business owner making important decisions without a clear enough financial picture
Available as part of the Growth and Strategic packages, or as a standalone project engagement.
CFO-level thinking in your corner
Book a free 30-minute call. We’ll talk through where the business is, what decisions are coming up, and how this service can support them — without the full-time hire.
SERVICES/FOR INDIVIDUALS
Personal Tax Returns & Planning.
The right return, on time. A plan that stops you overpaying.
THE PROBLEM
Self Assessment is the system HMRC uses to collect tax from individuals whose tax is not fully handled through PAYE. Freelancers, sole traders, landlords, higher earners, and individuals with investment income are all required to file — and many people are surprised to learn that even a small amount of additional income can trigger the obligation. The penalties for getting it wrong are not trivial: £100 for being a day late, daily penalties after three months, and interest accruing on any tax due.
Filing the return is only half the picture. Understanding how to legally and legitimately reduce your tax liability is the other — and most people are simply unaware of what is available to them, either missing reliefs they were entitled to claim or paying more tax than they need to. Tax planning simply means structuring your affairs to make full use of the reliefs and allowances that Parliament has deliberately put in place. It is entirely legitimate. It is not tax evasion, and it does not involve anything aggressive or complicated.
This service handles both. A properly prepared return that keeps you compliant and filed ahead of the deadline, with HMRC correspondence handled by a qualified professional — and a proactive review of your full financial picture that identifies every legal opportunity to reduce your liability before the tax year ends, not after it.
WHAT WE OFFER
Everything you need, filed and planned.
Review of All Income Sources
We carry out a thorough review of all your income for the tax year — employment income, rental income, freelance or self-employed earnings, dividends, savings interest, capital gains, and any other sources. Nothing is overlooked, and nothing is included that should not be.
Deductions, Reliefs & Allowances
We identify and apply every deduction, relief, and allowance available to you — business expenses for the self-employed, allowable costs for landlords, pension contributions, gift aid, professional subscriptions, and the personal savings, dividend, marriage, and property allowances. This is where a significant number of individuals overpay by simply not knowing what they can claim.
Preparation and Submission
We prepare your SA100 return in full and submit it to HMRC ahead of the relevant deadline. You receive a clear summary of the return and the tax liability before submission, so there are no surprises.
HMRC Liaison
If HMRC has questions about a return or if any correspondence arises following submission, we handle that communication on your behalf. You are not left to navigate HMRC processes alone.
Pension, ISA & Investment Review
Pension contributions are one of the most effective and underused tools for reducing a tax bill. We review your contribution levels, model the impact on your take-home pay and tax liability, and identify unused annual allowance from previous years that can be carried forward — alongside a review of your ISA allowances and other tax-efficient investment vehicles.
Year-Ahead Planning & Timing
For individuals with flexibility over when they recognise income — the self-employed, directors, and those with investment assets — timing can make a material difference. We advise on structuring income recognition and asset disposals, and provide forward-looking advice for the year ahead, so that when the next return is due, the planning has already been done.
Every allowance identified.
Submitted well ahead of the deadline.
A year-ahead plan, not a year-end panic.
WHAT YOU GET OUT OF IT
A foundation you can rely on.
A correctly prepared and filed Self Assessment return
Every deduction, relief, and allowance identified and claimed
Submission ahead of deadline — no late filing penalties
A clear picture of your tax position, and where overpayment is occurring
A year-ahead plan designed to reduce your next tax bill
A qualified professional handling any follow-up HMRC correspondence
WHY THIS MATTERS
Many people miss the requirement to file altogether, or submit returns with errors — resulting in penalties or unnecessary overpayments. And many individuals with straightforward affairs are overpaying simply because they do not know what they are entitled to claim. A properly prepared return and a proactive plan ensure you pay the correct amount of tax — and not a pound more.
WHO THIS IS FOR
Built for anyone who needs to file or plan.
Freelancers, contractors, and sole traders
Landlords with rental income
Individuals with dividends, capital gains, or multiple income sources
Higher earners — particularly those approaching the £50,000 or £100,000 thresholds, or who have received a P800 notice from HMRC
Anyone who has never filed a Self Assessment return but suspects they should have
Anyone who has never had their tax position reviewed and suspects they may be overpaying
Available as a standalone engagement or as part of the Personal Tax Returns & Planning or Personal Financial Planning & Budgeting packages.
Want your return done properly — and your next bill smaller?
Book a free 30-minute call. We’ll talk through your situation, confirm whether Self Assessment applies to you, and outline where there are legal, legitimate opportunities to reduce what you pay — no obligation, no hard sell.
SERVICES/FOR INDIVIDUALS
Personal Financial Planning & Budgeting.
Understand your money. Take control of it.
THE PROBLEM
A large number of people earn a reasonable income but have little clarity on where it actually goes or how to make meaningful progress towards the things that matter to them. The money comes in, the money goes out, and at the end of the month there is either a little left over or there is not — without a clear understanding of why.
Generic budgeting apps and tools provide useful data. They show you what you have spent and where. But data is not the same as a plan. They do not sit with you and have an honest conversation about what your financial picture actually looks like. They do not help you identify what is realistic, what needs to change, and what a path forward actually involves. That is what this service is for.
This is structured, one-to-one financial planning support — built around your life, your goals, and your specific circumstances. It is not about selling products or pushing investments. It is about helping you understand your money and feel genuinely in control of it.
WHAT WE OFFER
Everything you need, for your life.
Initial Financial Review
We begin with a thorough, honest review of your current financial position — income, outgoings, debts, savings, financial commitments, and any existing assets or investments. This is done without judgement. The point is to get a clear picture of where you are, before working out how to get to where you want to be.
Goal Setting
Once there is a clear picture of the current position, we identify what you are working towards — whether that is building an emergency fund, saving for a property deposit, paying down debt, building long-term savings, or simply having a clearer month-to-month structure. Goals are made specific and realistic, not aspirational and vague.
Personalised Budget & Financial Plan
We put together a personalised budget and financial plan that reflects your actual income and outgoings, incorporates your goals, and sets out a realistic path to achieving them. This is not a spreadsheet template with your name on it. It is a plan that is specific to your situation and built to be followed.
Regular Review & Adjustment
Life changes. Income changes, circumstances change, and plans need to adapt. We review progress at agreed intervals — monthly, quarterly, or as needed — and adjust the plan when circumstances require it. The relationship is ongoing, not a one-off exercise.
Financial Education
Where relevant, we explain the financial concepts and decisions that affect your plan — how different types of debt work, how savings and interest interact, how tax affects take-home pay, and how small consistent changes in behaviour compound into meaningful results over time. Understanding the why behind the plan makes it significantly more likely to be followed.
A clear picture of where you stand.
A realistic plan you'll actually follow.
Support that adapts as life changes.
WHAT YOU GET OUT OF IT
A foundation you can take control.
A clear, honest picture of your current financial position
Specific, realistic financial goals with a plan to reach them
A personalised budget that reflects how you actually live — not a generic template
Regular reviews to keep the plan on track as circumstances change
A genuine understanding of your own finances, not just data
The feeling of being in control of your money rather than the other way around
WHY THIS MATTERS
Many people earn well and still feel financially anxious or stuck. The issue is rarely income — it is the absence of a clear plan. This service fills that gap with real, tailored advice that goes beyond what any app or spreadsheet can offer, because the most important part of financial planning is the conversation.
WHO THIS IS FOR
Built for anyone wanting clarity.
Individuals who earn a good income but feel they have little to show for it
People working towards a specific financial goal — property, debt freedom, financial security — and wanting structured support to get there
Anyone who has tried budgeting apps and found they provide data but not direction
Individuals going through a significant life change — a new job, a relationship change, a move — who want to reassess their financial position
People who simply want to feel more in control of their money
Available as a standalone engagement or as part of the Personal Financial Planning & Budgeting package.
Ready to feel in control of your money?
Book a free 30-minute call. We’ll talk through where you are, where you want to be, and whether this kind of structured support is the right fit — no obligation, no hard sell.
PACKAGES
Clear, structured support at every stage.
Our services are available as structured packages or on a standalone basis — whichever fits your situation and budget best.
FOR BUSINESSES
FOUNDATION
Foundation Package
For early-stage businesses that need to get their finances properly set up and stay compliant.
✓Bookkeeping setup and ongoing oversight
✓Annual accounts and Corporation Tax return
✓VAT registration and returns (where applicable)
✓MTD onboarding and registration
MOST POPULAR
Growth Package
For businesses that are operating and want to make more informed financial decisions.
✓Everything in Foundation, plus:
✓Quarterly financial reviews
✓Cash flow forecasting and monitoring
✓One project-specific financial model per quarter
STRATEGIC
Strategic Package
For businesses with active growth plans, investor conversations, or complex financial requirements.
✓Everything in Growth, plus:
✓Ongoing Fractional CFO advisory
✓Investor-ready financial reporting
✓Support with funding applications and pitch decks
FLEXIBLE
Pay As You Go
For businesses that need specific services at a point in time. Each service available on a standalone basis — a one-off set of accounts, a single VAT return, an MTD registration, or a specific cash flow model.
TAILORED
Bespoke Engagement
For businesses with requirements that do not fit a standard package. We scope the engagement together — relevant for IPO readiness, financial due diligence, or management reporting build-outs.
FOR INDIVIDUALS
INDIVIDUAL
Personal Tax Returns & Planning
Your Self Assessment prepared and filed, plus a proactive review of your tax position to identify planning opportunities for the year ahead.
✓SA100 preparation and HMRC filing
✓Income source review
✓All deductions, reliefs, and allowances identified
✓Full tax position review and year-ahead strategy
✓Filed ahead of your deadline
POPULAR
Personal Financial Planning & Budgeting
Ongoing planning and budgeting support to help you set goals, build a plan, and stay on track.
✓Initial financial review and planning session
✓Personalised budget and financial plan
✓Regular ongoing check-ins
✓Year-end tax planning conversation
Pricing note:
Pricing is discussed and agreed prior to any engagement commencing. All services are provided by an ACA-qualified Chartered Accountant and ICAEW member. If you are not sure which option is right for you, book a free consultation and we will talk it through.
Not sure which package is right for you?
Book a free 30-minute consultation and we will talk it through together — no obligation, no hard sell. Just an honest conversation about what you actually need.
📷 Friendly welcoming photo / office
GET IN TOUCH
Let's talk.
Whether you have a quick question or you're ready to book a call, choose whichever suits you best.
QUICK QUESTION
Send us a message.
Tell us a little about you and what you're looking for. We'll get back to you within one working day.
READY TO TALK
Book a free 30-min call.
Pick a time that works for you. A focused, honest conversation — no obligation, no hard sell.
