Accountants for individuals
Reliable accounting and tax advisory services for individuals.
For individuals looking for clear advice, trusted support and confidence in their financial future.
Tax and financial planning don’t have to feel complicated. Whether you’re self-employed, a landlord, a company director or managing multiple income streams, we’re here to help you understand your options, stay organised and make informed decisions with confidence.
At PJCO, we take the stress out of personal tax and financial administration, providing clear guidance, proactive advice and ongoing support tailored to your circumstances. From Self Assessment tax returns and property income to personal tax planning and wider financial advice, we’ll help you stay in control and plan ahead with confidence.
Why expert advice matters
Make better financial decisions with advice that’s right for you.
As your circumstances become more complex, specialist support can help you:
- Keep on top of tax obligations and reporting requirements
- Understand the most tax-efficient way to manage your income
- Navigate changing tax rules with confidence
- Plan ahead rather than reacting to deadlines
- Prepare for upcoming changes such as Making Tax Digital
- Gain a clearer picture of your overall financial position
With expert guidance and ongoing support, you can spend less time worrying about tax and administration, and more time focusing on your personal and financial goals.
Looking for straightforward tax advice and support with your personal finances?
How we help
At PJCO, we provide clear guidance, practical support and proactive advice tailored to your circumstances.
Self Assessment made simple
We manage your Self Assessment tax returns, helping you stay compliant and avoid last-minute stress around deadlines.
Proactive tax planning
We help you understand your options and structure your affairs efficiently, ensuring you don’t pay more tax than necessary.
Support for landlords and directors
From property income and capital gains tax to director remuneration and payroll, we help you manage more complex financial arrangements with confidence.
Planning for the future
Whether you’re thinking about pensions, investments or long-term financial goals, we’ll help you plan ahead with greater clarity and confidence.
Keeping you ahead of change
Tax rules are constantly evolving. We help you understand what changes mean for you and ensure you remain compliant.
Advice you can understand
Clear explanations, practical guidance and straightforward answers whenever you need them.
Whether you need help with Self Assessment, property income, personal tax planning or wider financial matters, we’re here to help you stay organised, make informed decisions and plan ahead with confidence.
Services we offer
Making Tax Digital for Income Tax
We help individuals prepare for Making Tax Digital for income tax and move onto compliant digital systems.
Self Assessment
We provide Self Assessment tax return services and make sure personal tax returns are completed accurately and on time.
Bookkeeping support
We help self employed individuals and sole traders keep financial records organised throughout the year.
Cashflow services
We support individuals and sole traders with cashflow planning to help manage income and expenses more effectively.
Capital gains tax
We provide capital gains tax advice, including support with capital gains tax on property and asset sales.
VAT & indirect tax services
We provide VAT advice for sole traders and individuals with VAT registration and reporting obligations.
Personal wealth and pension planning
We support wealth and financial planning services to help individuals plan for the future more tax efficiently.
Mortgage services
We help individuals prepare financial information and supporting documents for mortgage applications.
How we work
We believe good advice starts with understanding your circumstances. That’s why we take the time to listen, ask the right questions and get a clear picture of your financial situation.
Whether you’re looking for help with a tax return, planning for the future or navigating a more complex tax position, we’ll provide practical advice that’s tailored to your needs and easy to understand.
You’ll have access to a team that’s approachable, responsive and focused on helping you make informed decisions with confidence.
Need help with Self Assessment, tax planning or managing multiple income sources?
FAQ
Do I need an accountant?
Whether you need an accountant depends on your circumstances, but many people find professional support gives them peace of mind, saves time and helps them make better financial decisions.
I have income from multiple sources. Can you help?
Yes. We regularly support individuals with income from self-employment, property, dividends and other sources, helping bring everything together in a clear and organised way.
Will I need to sign up for Making Tax Digital Income Tax for Self Assessment?
Your self-employment and/or rental turnover will determine if and when you need to sign up:
- Over £50,000 – 2026/27
- Over £30,000 – 2027/28
- Over £20,000 – 2028/29
When is the best time to deal with my tax return?
As early as possible. Getting organised ahead of deadlines reduces stress and gives you a clearer picture of your tax position.
Can you help me reduce my tax bill?
We can help ensure you’re making use of available allowances and reliefs while remaining fully compliant with HMRC requirements.
Can I contact you during the year if I have a question?
Absolutely. We believe good advice shouldn’t be limited to a once-a-year conversation.
Do you work with landlords?
Yes. We support landlords with rental income, tax planning, capital gains tax considerations and wider property-related tax matters.
Do you provide financial planning advice as well as tax support?
We help clients take a broader view of their finances, considering future goals, tax implications and longer-term planning opportunities.