Service
Proactive, plain-English tax planning that keeps more of what you earn — and keeps HMRC happy.
At a glance
Tax advice for individuals and owner-managed businesses from a Chartered Tax Adviser and former HMRC Senior Tax Inspector, covering income tax, capital gains tax, inheritance tax and corporation tax.
We start by understanding your position and what you want to achieve. We then set out the options, the tax cost of each and our recommendation in writing. Fees are agreed before any work starts, and where action is needed we can deal with HMRC on your behalf.
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Situations we help with
The mix of salary, dividends, pension contributions and director's loans changes the overall tax bill for you and your company. The best mix shifts as rates and allowances change.
We work out the most tax-efficient mix for the year ahead and review it each year.
Business Asset Disposal Relief can reduce the capital gains tax on a sale, but the conditions must be met for two years before the sale, and the rate has been rising. How the price is paid, for example through an earn-out or loan notes, also affects how much tax is due and when.
We look at the structure and timing well before a deal is agreed, while there is still room to make changes.
Between £100,000 and £125,140, your personal allowance is gradually withdrawn, so part of your income is taxed at an effective rate of 60%. Going over £100,000 can also mean losing Tax-Free Childcare. Pension contributions and Gift Aid donations can bring your income back below the threshold.
We work out how much to contribute, and when, to get the best result.
02
What we offer
Want a clear starting point? Our tax optimisation review and IHT health check each come with a starting price.
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Our approach
Tax planning should be proactive, not reactive. We work with you throughout the year to identify opportunities, minimise liabilities and ensure compliance. Our approach is tailored to your specific circumstances, helping you make informed decisions that align with your business and personal goals.
What our clients say
“I first came to RMHO Consulting for help with our UK tax returns, which were far from straightforward - a property sale outside the UK, employee shares and income from several different sources. Over the last few years, Rob and his team have become our trusted advisers for both my wife's and my tax affairs. As well as our returns, they have helped us plan share sales, think through inheritance tax and longer-term family tax planning, structure new board and advisory roles, and set up a new company. Rob is a brilliant specialist who explains complex points clearly, responds quickly and always keeps the advice practical. As a CFO, I know how valuable it is to have an adviser you can rely on completely, and I would recommend RMHO Consulting without hesitation.”
CFO of a global company
Personal tax and new company set-up client
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FAQ
Contact us to discuss how we can help optimise your tax position.
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