Tax Planning and Advice for businesses and individuals across Warwickshire.
Compliance tells you what you owe. Planning changes what you owe. We work with business owners, directors and individuals across Warwickshire to make sure the tax you pay is only ever what it needs to be.
Most people think about tax at year-end. The decisions that reduce it are usually made long before that. Business structure, the timing of income and expenditure, how you draw money from your company, how your estate is organised and when you start thinking about succession all have tax consequences. The earlier you look at them, the more options you have.
Tax planning at Bernard Rogers is not a separate service. It is part of how we work with every client. We understand your circumstances, stay across the changes in legislation that affect you, and raise the things that matter before they become expensive.
Emmerson Press
John Emmerson spent more than 30 years with the same accountant before moving to Bernard Rogers. He came to us wanting clearer advice on tax planning and the distribution of company wealth. We reviewed the legal and tax implications, advised on the most appropriate structure and supported the process from start to finish. He now meets with David quarterly to review profitability and assess business decisions. He describes the experience as easy and effortless.
Years with a previous accountant
Years with Bernard Rogers & Co
Strategic business reviews per year
Bringing clarity, trust and practical tax advice to a long-established family business
John first approached Bernard Rogers & Co to explore tax planning opportunities and the distribution of company wealth. He already had a clear idea of what he wanted to achieve and wanted to sense-check whether it was feasible. David reviewed the legal and tax implications, advised on the most appropriate structure and facilitated the process from start to finish. John values receiving advice that is practical, sensible and rooted in real business understanding rather than theory.
Before moving to Bernard Rogers & Co, John had worked with his previous accountant for more than thirty years. As Emmerson Press evolved, he felt ready for a different type of relationship with his accountant. He wanted someone he could speak to easily, who was willing to offer informal, practical advice, and who understood both him and his business. As a Kenilworth business owner who grew up on the High Street where our office is based, working with a local, independent firm felt like a natural fit. He passes the office every day and valued the reassurance of dealing with a firm that is part of the local community.
From the outset, John’s experience was very different. He describes Bernard Rogers & Co as efficient, friendly and approachable. Emmerson Press had not previously used accounting software, so the transition took time. We provided patient, hands-on support and training throughout, ensuring John and his team felt confident rather than overwhelmed. Bernard Rogers & Co now manage their accounts, payroll, profit and loss reporting, supplier payments, quarterly reviews and ongoing tax advice.
John meets with David quarterly to review profitability and assess potential business investments. He values having an accountant who understands the wider commercial picture and follows through on commitments. Integrity and trust are central to the relationship, and John describes the accounting process as easy and effortless. He appreciates that when Bernard Rogers & Co say they will come back to him, they always do. As a result, he regularly recommends us to his own clients and suppliers, confident that they will receive the same level of care and attention. In turn, we are always pleased to recommend high quality print from Emerson Press to businesses seeking reliable, professional printing services.
What tax planning looks like in practice
Corporation tax planning
We look at your business structure, timing of investment and expenditure, and available reliefs including capital allowances and R&D claims. The goal is to make sure your corporation tax position is as efficient as it can be within the rules, not just correctly calculated at year-end.
Personal tax and income structuring
For directors and business owners, how you take money out of your company matters as much as how much you take. We advise on the right balance of salary and dividends, pension contributions, and how to use your personal allowances and thresholds in the most tax-efficient way.
Capital gains tax
Whether you are selling a business, an investment property or other assets, we advise on the timing, available reliefs and how to structure the transaction to reduce your CGT liability. For residential property sales, we manage the 60-day reporting window to HMRC and make sure nothing is missed.
Inheritance tax planning
We review your estate and give you a clear picture of your current IHT exposure. We then work with you on a plan that reduces the liability for the people you are leaving things to, using available reliefs, gifting strategies and pension planning where appropriate. This is not something to leave until it feels urgent.
Trust and estate taxation
Trusts can be effective tools for protecting and passing on family wealth, but they require careful setup and ongoing management. We advise on the creation, structure and taxation of trusts and estates, making sure they are set up correctly and remain efficient as legislation changes.
Succession planning
Whether you are planning to pass your business to family members, prepare it for sale, or bring in new shareholders, the tax implications are significant and the timing matters. We work through the options with you well in advance, so that when the time comes the transition is straightforward and as tax-efficient as possible.
From compliance to planning.
The same contact throughout
A number of our planning clients came to us originally for their annual accounts or self assessment return. Over time, as we got to know their circumstances and their goals, the conversation naturally moved into more forward-looking territory.
That is how we prefer to work. One contact who knows your full picture, who raises planning opportunities when they are relevant, and who joins the dots between what you are doing now and what you want to achieve. Tax planning is not a separate engagement. It is part of the ongoing relationship.
If you are currently a compliance client and have not had a conversation about planning, that conversation is available whenever you want it.
"We've been using Bernard Rogers and Co for several years for all our business group's accounting needs, and we couldn't be happier with the service. The team are always professional, knowledgeable, and quick to respond to any questions. Highly recommend!"
Based in Kenilworth and Stratford-Upon-Avon.
Working across the whole of Warwickshire.
We work with businesses across Kenilworth, Stratford-upon-Avon, Leamington Spa, Warwick, Coventry and the surrounding area. Most of our clients are within 30 minutes of one of our offices. Some work with us remotely.
Either way, the service is the same. One contact, who knows your business, available when you need them.
What does it cost?
The cost depends on the size and complexity of your business. A sole trader with straightforward finances will pay less than a limited company with multiple directors and a payroll. We are always clear about this from the outset.
We give you a fixed quote before any work starts. You will know exactly what you are paying and what is included before we begin.
The easiest way to get a sense of fees is a short conversation with David. No obligation, usually less than 20 minutes.
What this looks like in practice
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Why our clients stay for many years
The average client relationship at Bernard Rogers is around seven years. That is not an accident. It is what happens when someone actually knows your business, calls you before the deadline rather than after, and gives you a straight answer when you ask for one.
We are not the cheapest option in Warwickshire. We are also not going to hand you to a different person every year and call it service. If that trade-off sounds right for your business, let us talk.
FAQs
Get the information you need to manage your business and personal taxes with confidence. Explore our frequently asked questions below or contact us for a free, informal chat.
No. The most effective planning happens throughout the year, before decisions are made rather than after them. We take a proactive approach and raise issues when they are still easy to act on.
Yes. We look at the full picture for each client. Your business and personal tax positions affect each other and we make sure they are working together efficiently.
We identify the reliefs, allowances and planning opportunities that are relevant to your situation. Capital allowances, R&D claims, income structuring, IHT reliefs and CGT timing are all examples. Everything we advise on is within current UK legislation.
Yes. We work with families and business owners on IHT planning and succession strategies, usually well in advance of when they become urgent. The earlier the conversation starts, the more options are available.
Compliance is making sure your returns are accurate and filed on time. Planning is making decisions in advance that affect what those returns will show. Both matter. Compliance without planning means you are probably paying more tax than you need to.
A planning conversation is available whenever you want one. If we have not raised it yet, ask. We are always happy to look at the broader picture when a client is ready to think about it.
Get in touch with David
Contact David directly, or fill out the form below and we'll be in touch ASAP.
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