Fiscal Umbrella Accountants
Accountants for doctors who want every pay decision checked
Accountants for doctors help locum and private practice companies plan salary, dividends and personal tax before the year end.
Your company may be filing on time while the way you pay yourself has gone unchecked since incorporation. The unanswered question is whether salary, dividends, a spouse on payroll and the employment allowance still fit. Fasih reviews them together.
Fiscal Umbrella is a Luton accountancy and tax practice for doctors with growing limited companies. Fixed fees are agreed in writing. Fasih Khan, ACCA qualified, reviews salary, dividends, spouse payroll and employment allowance alongside accounts and corporation tax.
I was stuck with my R&D claim, but Fiscal Umbrella helped me navigate it smoothly. They're professional, efficient, and truly know their stuff.…Cartel Media
- Fasih Khan ACCA
- Fixed fees in writing
- Luton office
- UK-wide remote
What changes once your pay is reviewed
Know the tax bill before it lands
Plan company and personal tax before deciding what to withdraw.
Pay yourself with the year in mind
Review salary and dividends while there is still time to act.
Decide if spouse payroll is appropriate
Check the role and pay before making any payroll change.
Where a doctor’s company quietly loses ground
The problem often appears when a payment or tax bill needs an immediate decision.
- Tax bill
“My corporation tax arrived before anyone explained what the dividends had done to my personal tax.”
Cash set aside for the company can no longer cover both bills.
- Dividends
“I have used the same salary and dividend split since I opened the company.”
A pay structure left alone can stop fitting the company as profit changes.
- Hire
“My spouse helps with the practice, but nobody has checked whether payroll is appropriate.”
The allowance can be missed, or payroll can be added without documenting the work and pay.
- Day 90
What changes once advice reaches these decisions
Your salary and dividends are reviewed before the year closes. Any spouse payroll is based on real work and proper information. Company and personal tax are considered together.
Quick check · no email
If your accountant can’t explain your pay mix, forecast your tax bill before it lands, and reply this week, you have the wrong accountant
Answer three questions about the accountant looking after your company now.
Question 1 of 3
Could they tell you this week whether your salary and dividend mix still fits?
Could they estimate your company and personal tax before the bills land?
Could they confirm whether your company can claim the employment allowance?
All three gaps affect decisions about cash and pay. The set-up review checks where advice has been missing.
One gap can still cost money. The employment allowance example below shows why payroll deserves a proper check.
Three yeses suggests you are being well served. The guides can help you keep asking useful questions.
Where filing ends and pay advice should begin
Year-end work matters, but a doctor also makes tax decisions during the year.
Year-end filing
Annual accounts prepared after the year closes.
Corporation tax calculated from completed transactions.
Payroll processed using existing instructions.
Questions discussed when the accounts are ready.
Advice through the year
Salary and dividends reviewed before further payments.
Company and personal tax considered together.
Spouse payroll checked before anyone is added.
A fixed fee agreed in writing before work starts.
The eight checks a doctor’s company should pass
Answer yes only when someone has checked the point against your company.
- 01
Has your salary and dividend mix been reviewed for the current year?
Yes means the decision reflects current profit and personal income.
- 02
Is your corporation tax estimated before the year closes?
Yes means the bill can be planned before the filing date.
- 03
Has someone checked whether the employment allowance applies?
Yes means payroll has been reviewed beyond routine processing.
- 04
Does your spouse carry out real work before joining payroll?
Yes means the role and pay can be supported with proper information.
- 05
Does your software show payroll, dividends and director withdrawals correctly?
Yes means each payment reaches the right place in the accounts.
- 06
Are the year-end accounts and corporation tax deadlines planned?
Yes means missing information can be requested before the deadline.
- 07
Is the director’s Self Assessment included in the annual plan?
Yes means company and personal tax are considered together.
- 08
Does someone take responsibility for HMRC correspondence?
Yes means each letter reaches the person handling the relevant return.
What Fiscal Umbrella covers after the review
The agreed scope brings company compliance and director tax decisions together.
Accounts and corporation tax completed
Annual accounts and the company tax return are prepared from properly maintained bookkeeping.
Salary and dividends reviewed together
Payroll, dividends and employment allowance are checked before the next pay decision.
Personal tax planned alongside company tax
The director’s Self Assessment and company position are considered before the year closes.
Entry 01
The allowance hidden inside a payroll decision
Single-director payroll can close off an allowance before anyone reviews the wider pay plan.
What clients say
How the switch becomes a better tax year
The first review identifies the decisions that need attention before the next filing deadline.
The gaps are named
Answer a few quick questions, then Fasih reviews the decisions needing attention.
Your scope and handover are agreed
The fee is fixed in writing before your current accountant is contacted.
Your pay structure is checked
Salary, dividends, payroll and employment allowance are reviewed against your company.
Advice arrives before the decision
Future dividends, payroll changes and year-end tax are discussed while you can act.
Who this doctors’ accounting service can help
The business must be a limited company turning over £100k or more.
Sole traders, partnerships and LLPs fall outside this service.
The director must provide information when it is needed.
The company must be willing to use suitable bookkeeping and payroll software.
The set-up review checks the fit before either side commits to a handover.
Questions doctors ask before changing accountants
What do accountants for doctors include in the monthly fee?
A written scope can cover annual accounts, corporation tax, bookkeeping, payroll and the director’s Self Assessment. It can also include advice on salary and dividends. The agreed work depends on your company and is set out before work starts. Pay decisions are discussed early.
Can accountants for doctors help if I already have an accountant?
Yes. The pay and tax review can happen while your current accountant remains appointed. Fasih checks salary, dividends, payroll and the year-end position. If there is a fit and you choose to switch, Fiscal Umbrella handles the handover for you.
Do I have to move my doctor’s company onto different accounting software?
Fasih first checks what you use and whether it supports accurate bookkeeping, payroll and year-end accounts. If a change is needed, the recommendation will be explained before anything moves. Xero and QuickBooks are supported, with setup and training included where agreed.
What happens with my current accountant when I switch?
Fiscal Umbrella contacts your current accountant, asks for the company files and manages professional clearance. The handover is planned around filing dates so current obligations stay covered. You receive the scope and fixed fee in writing before any work begins for your company.
What is the best salary and dividend mix for a doctor?
The right mix depends on company profit, other personal income, payroll and what you need to take out. Fasih reviews the position before year end. He then explains the company and personal tax effect before you make the next payment.
Can I employ my spouse through my medical company?
A spouse can join payroll when there is real work and the pay can be supported. If the conditions are met, the £10,500 employment allowance may come back into reach. Fiscal Umbrella checks the role, payroll and wider pay plan before anything changes.
Three ways to take the next step
Start with the pay and tax review
Answer a few quick questions to get a personalised recommendation and, if there is a fit, the free review.
Check if you fit 02 · A question firstHave a question for Fasih?
Send the question first and include the decision your company is facing.
Ask Fasih a question 03 · Still decidingStill deciding whether to switch?
Read the guides to see which questions your current accountant should answer before year end.
Read the guides →