--- title: "Personal Tax Advice & Returns in Cardiff | HLS Accounts" description: "Personal tax support in Cardiff for sole traders and directors: clear advice, accurate returns, deadline management, and help dealing with HMRC." canonical: "https://hlsaccounting.co.uk/service-categories/tax-services-personal" --- # Tax Services - Personal Personal tax support that keeps things clear and under control. We help you understand what you owe, claim what you can, meet deadlines, and feel confident dealing with HMRC. Personal tax can feel like a moving target, especially when you are running a business or juggling more than one income. We start by understanding your full position, then take care of the reporting, calculations and HMRC communication with clear, plain-English updates. You will know what is due, when it is due, and what you can legitimately claim. The goal is fewer surprises, less stress at year end, and a personal tax position that supports your plans. ![Financial advisor and client at a desk reviewing dividend documents and tax forms, using a calculator and pen while pointing at chart on a tablet in a calm professional office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ffinancial_advisor_client_dividend_tax_review.png%3Fv%3D1773064213633&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ![Adult taxpayer at a desk in a tidy home office completing a child benefit tax return using a laptop and calculator with organized documents.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftaxpayer_child_benefit_tax_return_home_office_realistic_studio.jpg%3Fv%3D1773064206731&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ)![Tax professional and property owner reviewing rental tax paperwork at a desk with calculator, laptop, and model house or keys in a modern office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Frental-income-tax-review-desk-scene.png%3Fv%3D1773064240384&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) - ![Financial advisor and client at a desk reviewing dividend documents and tax forms, using a calculator and pen while pointing at chart on a tablet in a calm professional office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ffinancial_advisor_client_dividend_tax_review.png%3Fv%3D1773064213633&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Dividend Tax Planning Practical dividend tax planning for owner-managed companies. Get the right salary and dividend mix, forecast your tax, and keep records HMRC expects. No last-minute tax shocks. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/dividend-tax-planning) - ![Tax professional and property owner reviewing rental tax paperwork at a desk with calculator, laptop, and model house or keys in a modern office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Frental-income-tax-review-desk-scene.png%3Fv%3D1773064240384&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Rental Income Tax Returns We prepare your rental income figures, claim allowable expenses and reliefs, and file your Self Assessment on time, with clear summaries and HMRC-ready records. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/rental-income-tax-returns) - ![Adult taxpayer at a desk in a tidy home office completing a child benefit tax return using a laptop and calculator with organized documents.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftaxpayer_child_benefit_tax_return_home_office_realistic_studio.jpg%3Fv%3D1773064206731&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## High Income Child Benefit Charge Returns We calculate and file your High Income Child Benefit Charge through Self Assessment, confirm what you owe, and guide you on deadlines and next steps. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/high-income-child-benefit-charge-returns) - ![Adult seated at desk organizing paperwork for a tax refund with calculator, laptop, envelope, and small currency pile in a tidy office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftax-refund-claim-desk-studio-photo.png%3Fv%3D1773064241861&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Tax Rebates & Refund Claims We identify overpaid tax and submit accurate HMRC rebate and refund claims for sole traders and small businesses, then chase progress until payment lands. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/tax-rebates-and-refund-claims) - ![Tax adviser explaining documents to a client across a desk in a modern office meeting room, with papers, folder, and laptop visible, calm professional mood.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftax_adviser_client_office_meeting.png%3Fv%3D1773064222280&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## HMRC Investigation Support Support for HMRC enquiries and investigations, from the first letter to closure. We review your records, manage HMRC correspondence and help resolve tax and penalties. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/hmrc-investigation-support) - ![Person at a desk calmly preparing a tax return on a laptop with documents, calculator, and a passport nearby in a clean neutral office setting.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Fnon_resident_taxpayer_preparing_tax_return_realistic_studio_photo.png%3Fv%3D1773064212868&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Non-Resident Tax Returns Preparation and filing of UK non-resident Self Assessment returns, including UK property income, relief claims and HMRC follow-up, so you stay compliant. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/non-resident-tax-returns) - ![Financial advisor meeting with a middle-aged couple at a desk reviewing estate planning documents with a calculator and folders in a clean office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ffinancial_advisor_estate_planning_studio_photo.png%3Fv%3D1773064211751&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Inheritance Tax Planning Inheritance tax planning that maps your estate, estimates IHT, and sets a clear action plan using reliefs, gifting and ownership changes where suitable for you. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/inheritance-tax-planning) - ![Tax advisor explaining capital gains tax to a client across a desk with documents and a chart in a modern office.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftax_advisor_capital_gains_office_realistic.jpg%3Fv%3D1773064212255&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Capital Gains Tax Advice Practical Capital Gains Tax advice for business owners and sole traders. We calculate gains, check reliefs and handle HMRC reporting and deadlines across South Wales. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/capital-gains-tax-advice) - ![Two adults at a desk calmly reviewing blank financial documents with a calculator and laptop, with a calendar in the background.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftax_planning_advisor_desk_realistic_studio_photo.png%3Fv%3D1773064215848&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Personal Tax Planning Personal tax planning for Cardiff business owners and sole traders. Forecast your tax bill, use key allowances, and plan payments and profit withdrawals. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/personal-tax-planning) - ![Adult seated at a desk in a tidy home office reviewing financial documents and using a laptop, pen, and calculator in a focused, organized scene.](/_next/image?url=%2Fapi%2Fmedia%2Ffile%2Ftax_return_home_office_realistic_studio_photo.png%3Fv%3D1773064205253&w=1536&q=75&dpl=dpl_DEc4fGhEc1SCRZZutzoEsRuDy1CJ) ## Self Assessment Tax Returns We prepare and file your HMRC Self Assessment tax return, check expenses and reliefs, and give a clear summary of tax due and key payment dates. * * * [Book a free consultation](https://calendly.com/hlsaccounting/new-client-meeting)[View Service](/services/self-assessment-tax-returns) ## Frequently Asked Questions Who are these personal tax services best suited for? They suit people who want their personal tax kept accurate and stress-free, especially if income is not straightforward. This includes owner-managers, sole traders, landlords, and anyone with multiple income sources. If you want clear answers and no last-minute panic, this category is a good fit. What can I expect from the process? We will gather the details we need, check what is relevant, and keep you updated in plain English. You will get a clear summary of what is due and when, plus what actions we need from you. The aim is to keep everything organised and on time. What information will you need from me? Typically we will need details of your income, expenses, and any relevant documents such as statements or summaries. If you have more than one income stream, we will help you pull everything together in a tidy way. We will confirm exactly what is needed based on your circumstances. Can you help if HMRC has contacted me or I am worried about an enquiry? Yes, we can support you with HMRC queries and help you respond properly and on time. We will review what HMRC is asking for, prepare the information they need, and keep communication clear. You will always know where things stand and what happens next. How do fees work for personal tax support? Fees depend on the level of complexity and how much information needs reviewing, but you should expect clarity upfront. We will agree the scope and costs before work starts, so there are no surprises. If anything changes, we will explain it before going ahead.