PERSONAL TAX
Personal tax, explained clearly and handled carefully
Whether you receive share awards or rental income, are moving abroad, or are selling an asset, we help you understand what needs to be reported and prepare accurate Self Assessment tax returns. You work directly with Chris, a Fellow of the Association of Accounting Technicians.
Simple Self Assessment — £150 including VAT. For straightforward returns. We check that your return is suitable before you pay.
Led by Chris Clark, Fellow of the AAT (FMAAT) · AAT licensed practice · Reviewed on Trustpilot
OUR PERSONAL TAX SERVICES
Where would you like to start?
Whether you need help with an annual tax return or advice on a particular transaction, we’ll explain the relevant tax considerations in clear, practical terms.
Employee Share Schemes & Equity Awards
RSUs, share options and employee share plans, including awards from overseas employers.
Property & Investment Income
Rental income in the UK or abroad, jointly owned property, dividends and savings.
Higher Earners, Employment & Pensions
Employment income, bonuses, benefits, the personal allowance taper and pension tax relief.
Capital Gains Tax
Selling shares, property or other assets — gains carefully calculated, available reliefs considered and reporting deadlines explained.
International Tax & UK Residence
Moving to or from the UK, working overseas, and claiming double taxation relief where foreign income is taxed in more than one country.
Trusts, Estates & Complex Personal Tax
Personal tax matters involving trusts, estate distributions, overseas arrangements and more complex reporting requirements.
SELF ASSESSMENT
Your tax return, prepared and explained
Many personal tax situations mean you need to file a Self Assessment tax return. We prepare your return, explain the figures in plain English and file it only once you’ve approved it.
How we can help
First returns and help registering for Self Assessment
Returns with share awards, rental income, foreign income or capital gains
Reviewing and correcting earlier returns where something was missed
Payments on account explained, so the January and July bills aren’t a surprise
MAKING TAX DIGITAL
Making Tax Digital for Income Tax
Since 6 April 2026, self-employed individuals and landlords with qualifying income over £50,000 have had to keep digital records and send quarterly updates to HMRC using compatible software.
The threshold falls to £30,000 from April 2027 and £20,000 from April 2028, based on qualifying income in an earlier tax year. Some people are exempt or can defer.
CJC can assist with reviewing your circumstances, understanding the applicable requirements and preparing for digital tax reporting.
Read HMRC’s guidance: find out if and when you need to use Making Tax Digital for Income Tax →
HOW IT WORKS
A clear process from the start
01
Get in touch
Send an enquiry or book a consultation.
02
Agree the scope and fee
You'll know what's involved before work begins.
03
Share your documents
Upload securely or connect your accounting software.
04
Review and approve
Nothing is filed until you've approved it.
FAQ
Common questions
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Not necessarily. If HMRC sends you a notice to file a return, you must file it by the deadline – even if you think no tax is due – unless HMRC agrees to withdraw the notice.
If you haven’t had a notice, you may still need to tell HMRC by 5 October after the tax year ends that you have income or gains to report – for example, income not fully taxed through PAYE, or capital gains on which tax is due. Allowances and exemptions apply, so this isn’t automatic. HMRC’s online tool can help you check.
HMRC: check if you need to send a Self Assessment tax return
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It depends on your circumstances. We usually ask for your P60 or P45, details of any other income such as rent, savings, dividends or foreign income, and statements for any share awards or assets you have sold. Once we have agreed the work, we’ll confirm exactly what we need from you.
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Yes. We can review earlier returns, explain the options for correcting them and help you put things right with HMRC. Time limits apply to amending returns and making disclosures, so it is best to get in touch as soon as you can.
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Fees depend on the scope and complexity of the work. We’ll discuss your requirements first, then confirm the scope and fee with you in writing before any work begins. If you’d like to talk your situation through first, you can book a Personal Tax Advisory Consultation: a 30-minute video call with Chris Clark, normally via Zoom, for £150 including VAT where applicable, with a concise written summary emailed within three working days.
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If you work in construction as a self-employed subcontractor, contractors usually deduct tax from your payments under the Construction Industry Scheme (CIS): 20% if you’re registered for CIS, or 30% if you’re not. If you have gross payment status, no deductions are taken.
Your Self Assessment return reports your income and allowable expenses, and the CIS deductions taken during the year count towards the tax and National Insurance you owe. If more has been deducted than you owe, HMRC may repay the difference; if less, there will be a balance to pay. Whether a repayment is due depends on your figures, so we can’t confirm it in advance.
Please keep the monthly payment and deduction statements from each contractor. We’ll ask for them, with your income and expense records, when we prepare your return.
Not sure which area applies to you?
Book a consultation to talk through your situation, or ask us to call you back.