RPJ Accountancy Ltd

11/05/2026

At a certain point, retained profit stops feeling like security and starts feeling… stuck.

The business is profitable.
Cash keeps building.
But taking larger amounts personally starts to feel increasingly inefficient.

Which is usually where conversations around things like Venture Capital Trusts begin.

Not because founders suddenly want “tax schemes”.

But because they’re trying to solve a more uncomfortable question:

“How do I turn accumulated company profit into personal wealth without losing momentum to tax friction?”

This article looks at where VCTs actually fit and why they tend to be part of a wider extraction planning conversation rather than a standalone solution.

[https://rpjaccountancy.co.uk/advice/vcts-role-in-profit-extraction]

06/05/2026

Most business owners know the tax rate changes once income goes above £100,000.

What many don’t realise is just how severe it becomes.

Between £100k and £125,140, you effectively lose your tax-free personal allowance, creating a hidden 60% tax band.

The result?

Many founders end up restricting their income, delaying dividends, or leaving money trapped in their company because they assume “taking more just isn’t worth it.”

But good tax planning isn’t about earning less.
It’s about structuring income properly and making decisions at the right time.

In this week’s article, I explain:
• Why the 60% tax trap exists
• The mistakes many founders make once profits grow
• Tax-efficient strategies that can help you earn over £100k without unnecessary tax leakage

Read the full article here:
https://rpjaccountancy.co.uk/advice/how-to-earn-over-gbp100k-tax-efficiently

27/04/2026

Are you paying yourself the right salary as a director?

It sounds simple… but it’s one of the most common mistakes I see.

Too low, and you miss out on valuable tax reliefs.
Too high, and you could be paying unnecessary tax.

For most directors in 2026, there is a “sweet spot” (often around £12,570), but it’s not one-size-fits-all.

In this article, I explain:
✔ What the optimal salary actually is
✔ Why it matters
✔ How to structure your income properly

If you run a limited company, it’s worth a read.

👉 https://rpjaccountancy.co.uk/advice/optimal-director-salary-for-2026

25/03/2026

Making Tax Digital is on the way… but what does it actually mean for you? 🤔

If you’re a sole trader or landlord, this is something that’s going to affect how you report your income to HMRC.

Most people think it’s more complicated than it really is.
We’ve put together a simple, easy to read article covering:

✔️ Who needs to follow MTD
✔️ When it’s coming in
✔️ What you’ll need to do differently
✔️ How to prepare without the stress

Understanding this now will save you a lot of hassle later.

👉 Read the full article here:
https://rpjaccountancy.co.uk/advice/making-tax-digital-for-sole-traders-and-landlords

16/03/2026

Running a limited company means the tax rules change around you every year.

And from April 2026, there are a few updates founders should be aware of.

None of them are dramatic on their own…
but together they continue the trend of higher taxes and tighter allowances for business owners.

I’ve put together a quick guide covering the key tax changes for the 2026–27 tax year, including:

• Dividend tax changes
• Exit tax increases
• Planning considerations for company owners

If you run a business through a limited company, it’s worth understanding what’s coming.

You can read the full article here 👇
https://rpjaccountancy.co.uk/advice/tax-update-for-founders-2026-27

23/02/2026

Do you have an exit plan?

Most business owners don’t.

We spend years building the business…
But very little time thinking about how we’ll one day step away from it.

And an exit doesn’t always mean selling.

It might mean:

• Retiring comfortably
• Working fewer days
• Passing the business on
• Or selling when the time is right

But whatever your version looks like, it needs planning.

That includes:

✔ Building pension wealth
✔ Structuring your company properly
✔ Understanding how businesses are valued
✔ Reducing tax when you eventually exit

The earlier you start thinking about this, the more choice you’ll have later.

We’ve written a practical guide to help you start thinking about it properly 👇
https://rpjaccountancy.co.uk/advice/do-you-have-an-exit-plan

If you’d like help aligning your business with your long-term plans, just message us.

Your exit should be on your terms.

05/01/2026

Thinking of starting a business this year?
Most start-ups don’t fail because of bad ideas.

They fail because of small financial mistakes made early, often under pressure.

We’ve created a free, plain-English guide for founders that covers:

• How pricing mistakes trap you in survival mode
• Why turnover ≠ success
• How to avoid nasty tax surprises
• Simple systems that bring instant clarity
• What most founders only learn the hard way

📘 5 Financial Mistakes That Kill Start-Ups
(No jargon. No fluff. Just real-world advice.)

👉 Download your free copy here:
https://rpjaccountancy.co.uk/download-our-free-guide-for-founders

If you’re starting out, this is a smart place to start.

RPJ Accountancy. We simplify tax and accounting for small business owners. Providing expert advice since 2007

18/12/2025

🎄 Merry Christmas and Happy New Year from all of us at RPJ🎄

We’d like to say a huge thank you to our clients for trusting us with your businesses throughout 2025.

It’s been a pleasure supporting you, and we’re incredibly grateful for the many referrals you’ve sent our way during the year.

Wishing you a relaxing Christmas and a successful New Year. We look forward to working with you again soon.

📅 Christmas opening hours
We will be closing on Friday 19th December and reopening on Monday 5th January.

Get 2026 off to the best possible start. Free consultation slots are now available for w/c 5th January.

👉 Book Your Slot Here [https://rpjaccountancy.co.uk/free-consultation]

15/12/2025

Sole Trader or Limited Company in 2026, which is right for you?

With Making Tax Digital for Income Tax starting to affect sole traders from April 2026, choosing the right business structure has never been more important.

Do you know:
✔️ When MTD will apply to you?
✔️ How limited liability protects your personal assets?
✔️ Whether incorporation could save you tax as profits grow?

I’ve just published a new guide breaking it all down, simply and clearly, so you can plan ahead with confidence.

👉 Read the full article here:[https://rpjaccountancy.co.uk/advice/sole-trader-or-limited-company-in-2026-v2]

02/12/2025

"nothing can be said to be certain, except death and taxes.” Benjamin Franklin

Last week’s Budget included some important tax changes that small business owners should be aware of, especially if you run a limited company and take a mix of salary and dividends.

A few key points:

📌 Dividend tax increases from April 2026
📌 Income tax thresholds frozen for longer
📌 Pension salary sacrifice rules tightening in 2029
📌 Higher tax on savings/rental income from 2027
📌 Corporation tax unchanged (good news!)
📌 VAT threshold stays at £90k
📌 Digital e-invoicing coming in 2029

I’ve put together a simple guide explaining what this all means in practical terms, no jargon, just clear advice.

👉 Read the full article here: https://rpjaccountancy.co.uk/advice/2025-budget-impact-on-owner-managed-businesses

If you’d like personalised help understanding how these changes affect your own finances, just drop me a message.

20/10/2025

💼 Are You Accidentally Creating a Director’s Loan Without Realising?

If you’ve ever taken money out of your limited company that wasn’t salary or dividends, or if you’ve drawn too much in dividends, you might have created a Director’s Loan Account (DLA).

This isn’t always a problem, but if not managed properly, it can trigger unexpected tax bills or cash-flow issues.

We’ve broken it all down in a clear, founder-friendly article covering:

➡️ What DLAs are
➡️ When they become a risk
➡️ How to stay compliant and avoid the common traps

📘 Includes a free guide on the 4 biggest dividend mistakes we see business owners make.

🔗 Read more here: https://rpjaccountancy.co.uk/advice/directors-loan-account-explained