Services

Accounting for Corporates

Charterhouse will work with you or your in-house accountant to ensure that the business’s accounting information that is being produced does help facilitate the decision making processes that are required to help your business grow.

We have a wide knowledge of different accounting systems and a depth of experience that is waiting to be tapped in to.

Running your own business does take time and if the financials are in order you will soon know what aspects of your business are working financially and those that are not.

Our friendly team really can make a difference, save you valuable time and resources and at the same time ensure your records are fully compliant and in line with ever changing accounting requirements.

Contact us for your free consultation to find out more.

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Accounting for SMEs

Dealing with your business's accounting and book keeping uses valuable time and resources, which could be better spent on the day to day aspects of running your business.

We can reduce the burden, by dealing with all of your accounting requirements. Our friendly team will work with you to gain an understanding of your business and provide advice that is tailored to your individual requirements.

From dealing with your core bookkeeping and preparing your annual accounts, to maintaining PAYE and VAT records, preparing vital management accounts, and taking on short-term projects, we can help your business to succeed.

Contact us for your free consultation to find out more.

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Accounting for Startups

Keep it simple. Quality financial information does not necessarily translate into complicated bookkeeping or accounting systems.

But your systems do need to be sophisticated enough to provide you with the information you need to run your business and simple enough for you or your bookkeeper to run it.

Never underestimate the time required to keep your financial record keeping in order as it will impact on other aspects of your business. As your business grows we will work closely with you to ensure that your accounting system is providing you with all the appropriate information.

Our friendly team will work with you from the start showing you how to use our own Charterhouse Accounts Workbook or how you can maintain your own record keeping on more complex computerised accounting systems such as Xero.

Using the right systems and getting the right level of support is paramount to the success of any fledgling business.

Contact us for your free consultation to find out more.

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Audits

At Charterhouse, we have many years' experience of providing professional audits to a wide range of clients.

From preparing statutory or internal audits, to due diligence and benchmarking services, we offer professional and efficient audit services.

As well as fulfilling your statutory requirements, we will use this opportunity to review your business's financial operations, and provide valuable advice on how you can improve your business and take it forward into the future.

Contact the Charterhouse team today to find out how our expertise could help your firm to succeed.

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Bookkeeping

The key to a business's bookkeeping requirements is to keep things simple.

Our friendly team will work with you to ensure that your in-house team are delivering what is required to provide you with all the financial tools you need to run your business.

Of course in order to focus on your business you may just wish to outsource all of your bookkeeping requirements and at Charterhouse we have a dedicated team that can handle the everyday transactions which in turn will make the accounting process simpler.

To find out which software we recommend for your business, please contact us.

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Business Consulting

In addition to offering traditional tax and accountancy services, Charterhouse provides specialist business consultancy services.

Our experienced team can offer advice on all areas of business planning and management, helping to boost profitability and optimise your business's chances of success.

From writing a comprehensive business and marketing plan, to strategic planning, competitor analysis, compiling forecasts, and developing your business, we can work with you to set realistic, attainable objectives that will help you to get the most out of your business, now and in the future.

For more information and advice on how to take your business to the next level, please contact us today.

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Business Disposal

Whatever stage you are at you will need a strategy for selling and passing on your business.

As your accountants and tax advisors, Charterhouse are ideally placed to provide you with all the advice you will need. Whether it’s determining the right time for a sale, preparing your business for sale, valuing the business or the tax consequences of the sale, getting the best possible advice is invaluable.

For professional advice tailored to your individual situation, please contact us.

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Business Planning

Helping you to create and implement robust business planning strategies.

Forward planning plays a vital role in the success of your business.

Our proactive team will work closely alongside you, attending regular planning meetings and helping you to put in place long-term goals for your business.

In addition, we will help you to re-evaluate your business planning strategies over time, to ensure that you remain on course to meet your business objectives.

Contact us to find out how Charterhouse can help you to meet your business goals.

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Business Start Ups

At Charterhouse, we understand that starting a business offers its fair share of challenges as well as rewards.

With business owners often facing a mountain of red tape, we can help to guide you through the maze, offering expert advice and support at every stage of your business's life-cycle.

We can help with all aspects of starting a business, including:

  • Deciding on the best structure for your business - sole trader, partnership, or limited company
  • Preparing a business plan, cash flow projections, budgets and trading forecasts
  • Assessing your finance requirements, advising on the best sources of finance and drawing up the necessary proposals
  • Establishing a good working relationship with your bank
  • Completing any registration procedures with Companies House and HM Revenue & Customs
  • Dealing with company secretarial issues
  • Setting up a recording system for your internal use and for complying with statutory requirements

Charterhouse can help your new business to flourish. Please contact us today for further advice and assistance.

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Business Support

Supporting your business at every stage of its development.

Getting the right support is essential, if you are to ensure your business's chances of success.

With a depth of experience and a proven track record, Charterhouse can support your business at every stage of its development.

From business planning and raising finance, to computer systems advice and minimising the tax bill, we can help you to take your business forward.

Please call our Harrow or Beaconsfield office for a free, confidential consultation.

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Business Tax Planning

The UK tax system is complex and subject to constant change.

The Charterhouse team have many years' experience of offering professional tax advice, and can help to ensure that you are paying the right amount of tax, while taking full advantage of the available tax schemes and allowances.

We can help your business with all aspects of tax planning, including:

  • Deciding on a tax-efficient structure
  • Making the most of allowances and reliefs
  • Reducing tax on disposals
  • Maximising tax relief on acquisitions
  • Assisting with compliance requirements, including
  • Corporation tax self-assessment
  • Liaising with the authorities on your behalf
  • Dealing with HMRC compliance checks
  • Tax investigation insurance

For the latest advice on making your business finances as tax-efficient as possible, contact Charterhouse today.

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Capital Gains

There are various things to consider when you are looking to sell a valuable asset.

Capital Gains Tax is just one of these. It is highly advisable to look into the tax consequences of any potential sale and to consider if any tax planning needs to be actioned before the asset is sold.

Charterhouse can help you with the tax consequences of the sale of a second property, sale of a business interest or the sale of shares and whether any opportunities exist for utilising any EIS or SEIS relief.

For a bespoke solution to your capital gains queries, please get in touch today.

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Company Secretary

We can take the hard work off your hands and make sure you comply with the latest regulations.

Dealing with the requirements of the Companies Act can place significant pressure on today's busy business owner.

Let Charterhouse reduce the burden, by taking the hard work off your hands, while providing peace of mind that you are complying with the latest regulations.

Our Company Secretarial services include:

  • Preparation and filing of statutory returns
  • Preparation of minutes and resolutions
  • Company formation
  • Company searches

To outsource this part of your business to the experts, please call us to find out how we can help you.

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Corporate Finance

We can help you to secure the essential deals for your business, from raising finance from investors, to securing loans, accessing Government grants, management buy-outs and due diligence for investors.

Tap into our knowledge bank and find out how we can help you by contacting us today.

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Corporate Tax Compliance

The UK corporate tax system is complex and subject to constant change.

The Charterhouse team have many years’ experience of offering professional tax advice, and can help to ensure that you are paying the right amount of tax, while taking full advantage of the available tax schemes and allowances.

We can help your business with all aspects of corporate tax compliance, including:

  • Making the most of allowances and reliefs
  • Reducing tax on disposals
  • Maximising tax relief on acquisitions
  • Assisting with corporation tax self-assessment

One out of every four people in our Harrow and Beaconsfield offices are focused on tax so when you contact us to discuss your tax needs, you can be assured that you’ll be in safe hands.

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EIS and SEIS

The Enterprise Investment Scheme (“EIS”) is a government scheme that allows certain tax reliefs for investors who subscribe for qualifying shares in qualifying industries.

What benefits does the EIS provide the investor?

The investor can expect:

  • Income tax relief at the rate of 30% on the amount subscribed (subject to a ceiling investment of £1 million per tax year) in shares in qualifying companies. The amount subscribed can be carried back to the previous tax year, subject to the overriding investment limit for that tax year. The EIS relief may be withdrawn if certain events occur within three years of the date the shares are subscribed for in the company, e.g. shares sold
  • Any gain arising on a disposal of the shares after three years is free from capital gains tax
  • Capital Gains Tax on gains realised on different assets can be deferred if you invest your gain into EIS qualifying shares within one year before, or three years after the gain accrued. The deferred gain becomes chargeable to capital gains tax if certain events occur later e.g. EIS shares are sold
  • Income tax relief and capital gains relief is available for any losses made on the disposal of EIS shares
  • Relief is available to directors who wish to invest in their companies provided their stake in the company is less than 30% and they receive remuneration which is commensurate to the services they provide;
  • The opportunity to participate in the running of the business and to receive reasonable remuneration for doing so

As a result of the above, an individual could have a total tax saving and deferral of up to 58% of their investment.

The Seed Enterprise Investment Scheme (SEIS) is similar to EIS but is focused on smaller, early stage companies carrying on, or preparing to carry on, a new business in a qualifying trade. The scheme will make available tax relief to investors who subscribe for shares and have a stake of less than 30% in the company.

The relief applies to shares issued on or after 6 April 2012.

What benefits does the SEIS provide the investor?

  • Income tax relief at the rate of 50% of the amount subscribed for shares in qualifying companies (subject to a ceiling investment of £100,000 per tax year) is available to individual investors with a stake of no more than 30% in such companies. The amount subscribed for can be carried back to the previous tax year, subject to the overriding investment limit for that tax year;
  • relief is available to directors who wish to invest in their companies provided their stake in the company is less than 30% and they receive remuneration which is commensurate to the services they provide;
  • unlike EIS, an SEIS investor is able to exempt upto 50% of the capital gain they have realised on the disposal of any other asset, whilst the balance of 50% of the gain can be deferred;
  • provides for an exemption from capital gains tax (CGT) on gains on shares within the scope of the SEIS
  • Income tax relief and capital gains relief is available for any losses made on the disposal of SEIS shares

As a result of the above, an individual could have a total tax saving and deferral of up to 78% of their investment.

Charterhouse is well placed to provide tax advice to both individuals and companies wishing to look into the obvious opportunities offered with EIS or SEIS. For a confidential consultation, please call us.

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Estate & Inheritance Tax Planning

While estate planning may not currently rank at the top of your priority list, early planning is essential if you want to ensure that your estate will pass to your chosen beneficiaries on your death, while also minimising the inheritance tax burden.

We have significant expertise in this area and offer a comprehensive estate planning service which includes:

  • Help with drawing up and reviewing your Will
  • Making full use of exemptions and lower tax rates on lifetime transfers
  • Optimising lifetime transfers between spouses
  • Transferring agricultural or business property
  • Transferring assets into trust
  • Lasting Powers of Attorney, in the event that you lose your mental capacity
  • Arranging adequate life assurance to cover potential inheritance tax liabilities
  • Organisation and secure storage of important documents and digital assets
  • Introduction to providers of pre-paid funeral plans

Please contact us to discuss how we can help you preserve as much of your wealth as possible for your chosen beneficiaries.

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Fee Protection Insurance

There are an increasing number of HMRC investigations taking place across the UK as the tax authority continues its investigation and enforcement campaigns.

No one is excluded from these investigations as those targeted are chosen at random. Having up to date tax records and a reputable accountant like Charterhouse will not prevent an investigation and, when it does happen, it can be wide-ranging and very disruptive.

These investigations pose a significant risk to individuals and businesses alike. To achieve the best possible outcome if this happens to you, you need to have professional representation.

To protect your business against the cost of an investigation, we strongly recommend that you join our tax investigation insurance scheme (provided by Croner Taxwise).

In the event of an investigation, we will provide all the support you need and deal with HMRC on your behalf (subject to certain criteria). Without insurance, the cost of dealing with an investigation may run into many thousands of pounds. Our scheme offers cover up to £100,000.

For a quote to join our tax investigation insurance scheme, please get in touch.

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HR Consulting

We can help to transform your human resources management.

To maintain a competitive edge and be seen as a modern and progressive business you need to make sure you don’t forget about your people. It is important that you are set up to manage all elements of the heart of your business, your employees.

As experts in this field, we can help you to transform your human resources management, ensuring that you are dealing with all of your legal obligations while also getting the best from your staff.

Human resources management does not only involve managing the welfare of employees, providing support when there is a problem, or following legislation. It is a key business tool that can assist you in achieving your business plan by fully utilising your greatest resource - your people. Whether that is managing the compliance, keeping everything in one place using simple HR software, keeping your employees engaged through reward, recognition and benefits or making sure that you recruit and retain efficiently and effectively we can advise on every aspect of HR.

Charterhouse will ensure your HR policies and procedures meet your business needs and fully comply with ever-changing legislative requirements.

We can help with all aspects of routine HR compliance, including:

  • Contracts of employment
  • Policies and procedures including: disciplinary and grievance, equal opportunities, email and internet, flexible working, maternity and paternity
  • Employment legislation advice
  • Performance issues

We can help you to save valuable time and reduce the costs of recruiting staff, by working with you to create a recruitment plan that will help you to find the right candidates, while also providing training to ensuring that you conform with the statutory requirements relating to interviewing potential candidates.

We also offer a higher level of advisory service for those ready to take the next strategic leap in business development and we will work with you to align an HR strategy to your business goals, ambitions and values. A truly aligned HR strategy is an imperative part of the future of your business.

Charterhouse are confident we can help you achieve your goals through your people because we have first-hand experience of the ongoing benefit derived from our own committed investment. Our HR strategy has massively contributed to our two award nominations as Best Employer and Practice Growth of the Year as well as our elevation to a top 100 practice.

HR is not a “nice to have”! It is an absolute must in today’s business environment.

To find out more about our professional human resources support service, please contact us to find out how we can help you.

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IR35

The legislation known as IR35 is intended to tackle the avoidance of tax and national insurance contributions (NICs) through the use of intermediaries such as service companies or partnerships.

The proposals target circumstances where a worker would be treated as an employee of the client, if it were not for the existence of the intermediary. Where this was a limited company, the worker was able to take money out in the form of dividends instead of salary. Dividends are not liable to NICs so the worker would pay less in NICs than either a conventional employee or a self-employed person.

Charterhouse is able to offer a full review service where we will look into the appropriate aspects of a contract for services and the working habits to advise on IR35 tax compliance. To access our expertise, please get in touch today.

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Lasting Power of Attorney

A Lasting Power of Attorney (LPA) is a legal document which an individual (the Donor) makes, giving someone they trust (the Attorney) the power to make decisions on their behalf at some time in the future if the Donor lacks the mental capacity or no longer wishes to make those decisions themself.

The Donor must be aged 18 or over with the capacity to make an LPA. Any named individual with mental capacity aged 18 or over can be an Attorney as long as the relevant details are correctly written on the LPA Form.

There are two types of LPA:

Property and Financial Affairs (LPA PFA)

The LPA PFA allows the Attorney to manage the Donor’s finances and property. Donors may include a restriction that the LPA may only be used at some time in the future when they lack the capacity to make decisions for themselves, for example, as a result of a brain injury or the onset of dementia.

The Attorney for the LPA PFA must not be bankrupt when the LPA is signed. A subsequent bankruptcy could result in the LPA being automatically revoked if it has been registered with the Office of the Public Guardian (OPG).

Personal Welfare (LPA PW)

The LPA PW authorises the Attorney to make decisions about the Donor’s personal welfare and can be used only when the Donor lacks the capacity to make decisions.

To access our in-house expertise and advice on Lasting Powers of Attorney, please contact us.

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Management Accounting

As a business person you will recognise the vital importance of financial control in sustaining and improving profitability.

Good financial control involves:

  • Deciding which areas you need to monitor and how frequently
  • Generating the numbers quickly and accurately
  • Sharing the results with everyone who needs to know them
  • Interpreting the numbers correctly
  • Taking appropriate and timely action based on your interpretations

The starting point is to set up a system that enables you to generate accurate reports as quickly as possible - certainly no later than ten days after the month closes.

One of the most valuable instruments of financial control is drawing regular comparisons between projections and results. Not only does this keep you up-to-date on how your business is doing, it also reveals how realistic your expectations are and how in touch you are with the essentials of your business.

To be fully in control, you need information on what is happening to your business now, not what happened weeks or months ago.

For a free consultation, please get in touch to find out how we can help you make your management accounting deliver what you need to aim higher for your business.

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Mergers & Acquisitions

A merger or acquisition can be a complex and time consuming process, which benefits from the support and assistance of trained professionals.

We can help you:

  • Identify potential targets for M&A
  • Screen targets for suitability
  • Prepare a negotiating strategy
  • Raise the necessary capital
  • Develop an integration plan
  • Optimise the tax and financial position of the combined enterprise

At other times you may decide to improve your profitability through a disposal. Again, we can help with valuing the assets, finding suitable purchasers, and negotiating the sale. Please contact us to find out how we can help you.

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Non-Exec Directors

Charterhouse offers a professional non-executive director service, which could add significant value to your business.

For advice on how this service can help you grow your business, please call us.

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Overseas Tax Issues

Advising on international tax and cross border issues.

Charterhouse is experienced in assisting with the complex area of foreign and overseas aspects, as well as advising on international tax and cross border issues.

Our specialist knowledge in this area means that we are well placed to deliver expert guidance to our clients.

If you would like to know more about international tax planning and other foreign and overseas aspects, please contact us.

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Payroll

Payroll administration has become increasingly complex and time consuming. Therefore by using Charterhouse you will be trusting a company that has experience and many satisfied customers.

We will do an efficient and cost effective job for your company, leaving you to concentrate on building your business.

We encourage and invite the opportunity to discuss your unique business requirements to meet your needs. This is further enhanced by us working with you to offer the best way to manage a suitable payroll process.

We can operate processes to meet weekly/four weekly and monthly pay frequencies.

We use up-to-date systems and payroll software.

Our Payroll Service offers:

  • Processing of data instructions (Employment and Statutory compliant)
  • Standard or Bespoke hard/soft copy reports
  • Reports to assist with Management accounting or analysis of staff costs
  • Administration of Pension Schemes
  • Administration of CIS returns
  • Security payslips or e-payslips
  • Monthly details to HM Revenue & Customs (HMRC)
  • Submission of Realtime information (RTI)
  • Annual (PAYE) Returns
  • One-on-One service review
  • Liaise with HMRC on your behalf for PAYE queries
  • Timetable schedule to manage timely payroll production

Let us relieve the burden of payroll, by operating your payroll function on your behalf. Please contact us for further assistance.

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Pension Auto Enrolment

We offer an extended payroll service working alongside a client’s designated pension service provider to produce the required assessment reports and the CSV files.

We also work with our clients to upload the CSV files to the designated pension provider’s website/platform.

Most importantly we work with the client and the pension provider to meet our clients’ bespoke requirements and expectations.

For more information and advice, please get in touch.

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Personal Tax

Charterhouse has a large core of personal tax clients. Whether you need assistance with your self-assessment tax returns or advice on inheritance tax planning, we can help you.

Our dedicated team can provide the following services:

  • Advice on minimising tax liability for all personal taxes, including:
    • Income tax
    • Capital gains tax (CGT)
    • Inheritance tax (IHT)
    • Non-domiciliary taxes
  • Completion and filing of relevant returns
  • Advice on which payments are due and when
  • Advice on trusts and estates

Please contact us to find out how we can help you make the most of your wealth.

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Probate

In March 2015 we were licensed by the Institute of Chartered Accountants in England and Wales (ICAEW) to carry out the reserved legal activity of non-contentious probate in England and Wales.

We can advise personal representatives through the probate process from the initial stages, the preparation of the Inheritance Tax Account and Probate Application Forms, dealing with the administration of the estate and distributing assets and the preparation of estate accounts. We can also accept appointment as executors where we are named in a will and undertake the entire estate probate process. These services can be invaluable during the very emotional and stressful time following a bereavement of a family member of friend.

Our initial consultation is without charge or obligation. We can discuss our fee structure during the meeting and usually agree a fixed or capped fee to reflect the level of support provided. In the event that the probate becomes contentious we can refer the personal representatives to a panel of solicitors qualified in this area.

Please contact Howard Harris, our Head of Legal Practice should you wish to discuss our probate service.

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Registered Office

It is a legal requirement that a UK company must provide a registered office address which is the official address for all correspondence from Companies House and HMRC.

The address is publicly available and has to legally be displayed on company correspondence and websites.

The address you provide must be a real UK address not a PO Box. Our registered office address service is ideal as it provides you with an address in Harrow or Beaconsfield that will help keep your details safe.

When we receive statutory post from Companies House and HMRC in your company name we will forward this to an address of your choice.

To set up this service, please get in touch today.

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Rescue & Recovery

For businesses experiencing difficulties, taking action in good time can make all the difference.

It is vital to seek professional help as soon as the first signs of difficulty appear. With timely advice a business may be saved from liquidation or receivership.

Charterhouse has expertise in this area, and can work with you to help identify the cause of your problems and recommend solutions to improve profitability and cash flow.

Call us today for a free consultation to find out how we can help you.

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Research & Development

There has never been a better time for businesses to invest in research and development (R & D), yet many small companies still do not appreciate how much they can benefit from tax reliefs associated with R & D investment.

R & D tax relief is available to Small and Medium Sized Enterprises where the company is permitted to claim an enhanced deduction on qualifying R & D expenditure, thereby reducing its taxable trade profits. If the company has made trading losses, then it can opt to receive tax credits from HM Revenue & Customs in respect of qualifying R & D expenditure.

Further incentive for investment in R & D was introduced to encourage companies to patent their technology. Companies that actively hold qualifying patents have been able to elect for the profits from their patented technology to be taxed at a lower rate of corporation tax. This relief is known as Patent Box and is available to all companies that generate income from their qualifying patents.

Our tax experts can help you make the most of this investment so please contact us to find out how we can help you.

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Restructuring

Restructuring your business could be the best thing you ever did, completely changing the fortunes of your company and allowing it to continue trading successfully for many years to come.

There are several reasons and opportunities as to why a business would restructure and working with Charterhouse will ensure that all avenues are considered and the restructure will be delivered in a professional and efficient manner.

For expert, confidential advice on how to restructure your business, please get in touch to find out how we can help you.

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Retirement Strategies

Challenging economic times have resulted in many pension schemes remaining underfunded, and a significant number of Britons face the prospect of continuing to work beyond the state pension age.

It is now more important than ever to plan ahead for your eventual retirement, in order to ensure that you are making the most of the options that are available to you, and to allow you to enjoy the comfortable retirement you deserve.

The Charterhouse team can advise on all aspects of retirement planning, including:

  • Devising an exit strategy
  • Tax-efficient disposals
  • Management buy-outs
  • Pension provision

Contact us today to discuss how Charterhouse can help you make the most of your golden years.

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Self-assessment

The self-assessment regime can be a headache for many taxpayers, and ongoing changes to tax legislation mean that individuals are increasingly at risk of incurring penalties through failing to complete their returns accurately and on time.

Charterhouse can help to ease the strain, through our comprehensive self-assessment service. We will do all of the necessary computations, complete your return on your behalf, and also offer advice on how you can minimise your tax liability.

We can deal directly with HM Revenue & Customs and, should you be selected for a self-assessment enquiry, act for you at any meetings.

Please contact us to discuss how our self-assessment service could benefit you.

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Succession Planning

Having in place an effective succession plan will help to ensure that the transfer of your business goes as smoothly as possible, and that you minimise your tax liabilities and maximise your financial gains.

From creating a succession plan, to setting a price, choosing the best time to sell, and making the sale, our expert advisers can guide you through the process.

To discuss the best routes to creating a bespoke succession plan, please contact us to find out how we can help you.

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Tax Planning

The Charterhouse team has a wealth of expertise in the area of tax planning, and we offer proactive tax planning strategies for many SMEs, corporates and high net worth individuals.

As well as dealing with the routine matters of business tax, PAYE, national insurance and VAT, we can work closely with you to minimise your corporate tax exposure and ensure that you are making the most of your personal wealth.

Just some of the areas where we can help you include:

  • Determining the most tax effective structure for your business
  • Taking full advantage of tax opportunities and reliefs
  • Achieving the optimum capital or revenue tax treatment
  • Reducing tax on disposals and maximising relief on acquisitions
  • Making the most of tax opportunities specific to your industry
  • Meeting the rigorous demands of compliance including corporation tax self-assessment
  • Acting on your behalf in discussions with the tax authorities
  • Personal tax planning strategies

Our expert advice could result in potentially significant improvements to your business's bottom line and your personal wealth.

Please get in touch today to find out how we can help you to aim higher with your business.

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Tax Planning for Individuals

Charterhouse has a large core of personal tax clients. Whether you need assistance with your self-assessment tax returns or advice on inheritance tax planning, we can help you.

Our dedicated team can provide the following services:

  • Advice on minimising tax liability for all personal taxes, including:
    • Income tax
    • Capital gains tax (CGT)
    • Inheritance tax (IHT)
    • Non-domiciliary taxes
  • Completion and filing of relevant returns
  • Advice on which payments are due and when
  • Advice on trusts and estates

Please contact us to discover how we can help you make the most of your wealth.

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Traders' Tax Advice

At Charterhouse, we know that for financial traders and investors, obtaining specialist tax and accounting advice can be a challenge.

We have expertise in this complex area, and can help to ensure that your affairs are structured in the most tax-efficient way possible.

For more information on traders' tax advice, visit www.traderstaxclub.co.uk.

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Trusts & Executorships

Trusts can be an extremely effective vehicle for setting aside assets for future beneficiaries, outside of the inheritance tax net.

They can also be useful for:

  • Providing funds for your children's and grand-children's education, maintenance, etc
  • Restricting access to property by future beneficiaries
  • Providing for people who are vulnerable, mentally or otherwise incapacitated

At Charterhouse, we can advise on the most suitable type of trust for your purposes, set up your trust, and provide a full range of trust accounting services.

Please get in touch to discuss the best option for you and your family.

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Valuations

There are many reasons for valuing a business, which may include: buying or selling a company, selling or transferring shares, or setting up a share scheme for your employees.

Whatever your intention, a business valuation is a very useful exercise. We have a wealth of experience in this area and can provide you with a true, fair and well-informed valuation.

For a free consultation, please call us to find out how we can help you.

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VAT Returns

VAT is a specialist tax and needs specialist advice when dealing with its intricacies. The first hurdle is do you need to be registered for VAT and if not is it still in your interest to be VAT registered? Do you opt for standard rate or flat rate or other schemes and what about cash accounting?

Once that hurdle has been overcome you then get down to what input VAT can be reclaimed and is this subject to any partial exemptions? The issues go on but to assist you why not allow Charterhouse to deal with your VAT requirements whether it’s a VAT registration issue or you need help with the VAT return itself the team at Charterhouse are invaluable.

Let our tax experts take the strain out of VAT. Find out how we can help you by contacting us at our Harrow or Beaconsfield offices.

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Wealth Management

Ensuring that your personal wealth is managed as tax-efficiently as possible.

Charterhouse can help to ensure that your personal wealth is managed as tax-efficiently as possible.

We can advise in such areas as:

  • Personal tax planning
  • Extracting profit from your business
  • Remuneration strategies
  • Tax-efficient savings and investments
  • Planning for a comfortable retirement
  • Estate and inheritance tax planning
  • Gifting strategies

Please contact us to discover more about how our wealth management team can help you.

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Will Writing

If you own assets such as a home, investments, business interests, retirement savings, collectables, personal belongings, etc, then you need a will. A will allows you to specify who will distribute your property after your death, and the people who will benefit. The majority of individuals in the UK do not have a will and are unaware of its importance, or do not see it as a priority.

If you have no will, your property could be distributed according to the intestacy laws.

Formulating an estate and family succession plan that minimises your tax liability and protects your assets is essential. The more you have, the less you should leave to chance.

We can work with you to ensure that more of your wealth passes to the people you love, through planned lifetime gifts and a tax-efficient will.

Drafting your will

Start by considering the following questions:

Who?

Who do you want to benefit from your wealth? What do you need to provide for your spouse? Should your children share equally in your estate – does one or more have special needs? Do you wish to include grandchildren? Would you like to give to charity?

What?

Should your business pass to all of your children, or only to those who have become involved in the business, and should you compensate the others with assets of comparable value? Consider the implications of multiple ownership.

When?

Consider the age and maturity of your beneficiaries. Should assets be placed into a trust restricting access to income and/or capital? Or should gifts wait until your death?

We can help you evaluate your requirements and write your will. We fully comply with the STEP Code for will Preparation in England & Wales. You can read the code here.

For a private consultation to evaluate your current will, please get in touch.

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