Tax planning should happen before the decision, not after the deadline.
A focused, confidential 30-minute session with an IB&Co adviser about one decision with tax consequences: paying yourself, selling an asset, buying property, moving abroad or passing on wealth.
Your session at a glance
Thirty minutes on the question that matters to you now.
- A confidential conversation with an IB&Co adviser
- A few short questions beforehand, so the time is well spent
- A clear view of your options and the questions to consider
- Next steps, and a scope for any further work if it is needed
Or choose a time on Calendly, or call 020 7164 0225
- IFA accreditedInstitute of Financial Accountants
- About 15 yearsIshmael Bangura, UK accountant and tax adviser
- More than 950 clientsadvised, including startups
- Level 37, 1 Canada SquareCanary Wharf, London E14 5AA
Most tax returns look backwards. Planning looks forward.
Your tax return tells you what has already happened. But many of the financial decisions affecting your tax position were made months earlier.
- Before the decisionSale, purchase, pay rise or move. This is when there is most room to plan.
- Tax year end5 April.
- Filing deadline31 January. By then the facts are fixed.
Planning before the decision
Timing, structure and allowances can still be considered. You see the possible tax effect of each option before you commit.
Reporting after the deadline
By the time a return is prepared, income has already been received, assets may already have been sold and director remuneration may already have been paid.
One session, across all ten areas of IB&Co Tax Advisory
Choose the area closest to your decision when you book. If your question cuts across more than one, tell us and we will plan the 30 minutes around it.
Business Tax Advisory
For SMEs and growing businesses seeking a more proactive approach to tax planning.
Find out moreDirector Tax Planning
For company directors and shareholders reviewing remuneration and income extraction strategies.
Find out moreCorporation Tax Planning
For businesses seeking greater visibility and planning around Corporation Tax.
Find out morePersonal Tax Planning
For individuals with multiple income streams or increasingly complex financial circumstances.
Find out moreProperty & Capital Gains Tax
For property owners, landlords and investors.
Find out moreResidency & International Tax
For internationally mobile individuals and those with overseas income or cross-border interests.
Find out moreInheritance Tax Planning
For individuals and families thinking about estate planning, gifting, trusts and reliefs.
Find out moreR&D Tax Credits
For companies investing in innovation, in any sector.
Find out moreTax Investigation Support
For individuals and SMEs facing an HMRC enquiry, compliance check or disclosure.
Find out moreStamp Duty Land Tax (SDLT)
For property buyers, including purchases through a company and mixed-use property.
Find out moreNot sure which area applies?See how IB&Co Tax Advisory works
What the session is, and what comes after
The session gives practical guidance on your circumstances. It is not a promise of a particular tax outcome, and detailed work is scoped and agreed separately.
In your 30-minute session
- We talk through the decision in front of you and your priorities
- We identify the relevant questions, potential risks and planning opportunities
- We explain your options in plain English and what to review next
If you need more support
- A Tax Health Check: a structured first review of your position
- A Tax Planning Review of a specific question or transaction
- Ongoing Tax Advisory, with regular planning support
From booking to next steps
Get in touch
Request a call back or choose a time, and tell us which area your question is about.
Share the context
Answer a few short questions, and have your latest accounts or tax return to hand.
Talk it through
A confidential conversation about your options, the timing and the questions to consider.
Next steps
You leave knowing what to review and what to do next. If more work is needed, we agree the scope first.
Prefer us to call you?
Leave your details and the area your question is about, and a member of the IB&Co team will call you back to arrange your 30-minute session.
If you have received a letter from HMRC, please say so in your message and include the response deadline.
Request a call back
We will call you back at a time that suits you.
Received a letter from HMRC? Speak to us before you reply.
You do not have to face HMRC alone. We act as your authorised agent and deal with HMRC on your behalf, from aspect enquiries and VAT or PAYE checks to Code of Practice 8 and 9 investigations and disclosures.
What to do first
- Read the letter carefully and note the HMRC reference number, the officer’s name and the response deadline.
- Do not respond to HMRC directly yet. Wait until you have professional advice.
- Do not ignore the letter. There are strict deadlines, and ignoring HMRC makes the situation significantly worse.
- Gather relevant records. The letter usually specifies what HMRC wants to see.
- Contact IB&Co today.
Time limits for response are often very short. Email hello@ibandco.co.uk (subject “URGENT: HMRC”) or call 020 7164 0225.
Advice from the person who will look at your figures
Ishmael Bangura
Managing Partner, IB&Co Accountants
Ishmael Bangura is the Managing Partner of IB&Co Accountants. He has been a practising accountant and tax adviser in the UK for about 15 years, and in that time has advised more than 950 clients, including startups.
Ishmael is also an entrepreneur who has built and exited businesses of his own, and that experience of running a business informs how he approaches tax planning with clients.
Clear advice, explained properly
He gives great advice and often goes beyond the call of duty… Regular up to date information regarding changes made by HMRC so we are always in the loop of what’s going on.
Enviseur LtdGoogle review
Fantastic service, great communication with a clear explanation for each action.
I. MackeviciuteCreative designer
They make sure all the rent, expenses and profit are calculated properly.
D. OsomuProperty investor
Frequently asked questions
What is the 30-minute tax advisory session?
A focused, confidential conversation with an IB&Co adviser about one specific tax decision or question. You leave with a clearer view of your options and what to do next.
Who is it for?
Business owners, company directors, landlords and property owners, families, individuals with several income sources and internationally connected clients who want a clear view before they act.
Which topics can I bring?
Any of our ten Tax Advisory areas, from director pay and Corporation Tax to property, residency, Inheritance Tax, R&D, SDLT and HMRC enquiries. See the ten areas.
Is it confidential?
Yes, subject to our professional and legal obligations.
What should I prepare?
Bring your latest accounts or tax return and a note of what you want to achieve. Tell us the question when you get in touch so the time is spent on substance.
What if I need more help afterwards?
If your situation needs detailed work, we confirm the scope and agree terms with you before anything starts. There is no obligation to continue.
How is this different from a Discovery & Scoping Call?
The Discovery & Scoping Call is about understanding your circumstances and agreeing the right next step. If you are not sure where to start, request a confidential tax planning review instead.
I have received a letter from HMRC. Is this the right session?
Contact us straight away rather than waiting for a session. Email hello@ibandco.co.uk with the subject “URGENT: HMRC” or call 020 7164 0225.
Start with a clear conversation
Ask for a focused 30-minute session before your next important financial decision.