Fiscal Umbrella Accountants
Accountants in Hertfordshire who put tax decisions right in the first 90 days
Accountants in Hertfordshire for limited company directors who want their tax position discussed before a dividend, hire or supplier decision is made.
A filed return doesn’t show whether your VAT scheme or director pay still suits the company. The question is what your current accountant has never checked. Fasih reviews that before asking you to switch.
Fiscal Umbrella is a Luton accountancy and tax practice serving established limited companies across Hertfordshire. It is run by Fasih Khan, who is ACCA qualified. Fixed fees are agreed in writing, with VAT scheme reviews and salary and dividend planning handled alongside the company accounts.
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 when advice arrives before the deadline
Your tax bill is discussed earlier
Corporation tax and director pay are reviewed while decisions can still change the outcome.
The VAT scheme gets checked
How and where you trade determines whether the current VAT treatment still makes sense.
Questions reach the person doing the work
Fasih handles the accounts and explains what each decision means for the company.
The decisions that expose a filing-only service
A missed piece of advice often appears when money is already committed.
- VAT
“My VAT return is filed every quarter, and nobody has checked whether the scheme still suits how we trade.”
The wrong scheme can change what the company pays and what it can reclaim.
- Dividends
“I still take the same salary and dividends we chose when the company was incorporated.”
An old pay structure can overlook employment allowance and changes in the director’s tax position.
- Tax bill
“The corporation tax bill arrives when the payment date is close, so every hiring decision becomes a guess.”
Late tax forecasts make it harder to judge what the company can safely spend.
- Day 90
What changes once the advice is in the room
Your VAT scheme is reviewed against how you trade. Your salary, dividends and employment allowance are checked before year end. Corporation tax is discussed while there is still time to act.
Quick check · no email
If your Hertfordshire accountant can’t check your VAT scheme, forecast your tax bill before it lands and reply this week, you have the wrong accountant
Answer these questions based on what your current accountant already covers.
Question 1 of 3
Could they tell you this week whether your VAT scheme is the right one?
Could they estimate your corporation tax before the payment date is close?
Could they explain whether your salary, dividends and employment allowance are set properly?
The gap is real if none of these decisions is covered. Answer the intake questions for a personalised recommendation and, if there is a fit, the free review.
Some important work is being done, though one decision still needs checking. A payroll review is especially worthwhile when the director is the only person on payroll.
Three yeses means your accountant is covering the important decisions. Use the switching accountants checklist as a periodic check rather than moving without a reason.
What changes between filing and advice during the year
A filing service can be enough until the company starts making bigger decisions.
A year-end filing service
Accounts are prepared after the year has ended.
VAT returns follow the existing scheme.
Director pay continues as before.
Tax is discussed near its payment date.
Advice during the year
Tax is considered before a purchase or hire.
The VAT scheme is checked against current trading.
Salary, dividends and payroll are reviewed together.
Reliefs are considered before the filing work is finished.
What should already be covered before year end
A useful accounting service should answer each question without waiting for the accounts.
- 01
Has your VAT scheme been checked against how you trade?
The default scheme may no longer suit the company.
- 02
Are overseas sales, import VAT and reverse charge handled correctly?
Each treatment should match the underlying transaction.
- 03
Is corporation tax discussed before the payment date approaches?
Earlier discussion gives spending decisions a firmer basis.
- 04
Has your salary and dividend mix been reviewed this year?
The arrangement chosen at incorporation may need changing.
- 05
Is the employment allowance checked when payroll changes?
Single-director payroll can leave it out of reach.
- 06
Have relevant reliefs been considered before filing?
R&D, patent box, SEIS and EIS need specific checks.
- 07
Does someone deal with HMRC correspondence?
Letters should reach the accountant handling the submission.
- 08
Is every included service written into the fixed fee?
The scope should be agreed before any work starts.
Which accounting work changes the year ahead
The filing matters, though the timing of the advice shapes the next decision.
Accounts and corporation tax before surprises
Year-end accounts, CT600 preparation and director Self Assessment are handled together.
VAT and payroll checked against reality
The VAT scheme, salary, dividends and employment allowance are reviewed against current trading.
Specialist claims stay with your accountant
SEIS, EIS, R&D and patent box work is prepared in house where the company qualifies.
Entry 01
What a payroll check can bring back into reach
A director’s payroll can look simple while an allowance remains unclaimed.
What clients say
How the first 90 days put things right
The process starts with the decisions that could cost the company money.
The right gaps are identified
Answer a few quick questions for a personalised recommendation. If there is a fit, Fasih arranges the free review.
The handover is moving
Fiscal Umbrella contacts your current accountant and requests the accounts files and bookkeeping data.
Your filings follow the right setup
VAT, payroll and bookkeeping follow the agreed treatment, with responsibilities written down.
Advice arrives before the decision
Corporation tax, director pay and available reliefs are discussed before year end.
Who this Hertfordshire service is built to help
The service is for established limited companies, rather than sole traders, partnerships or LLPs.
Early-stage companies unable to pay current fees should wait before applying.
Corner shops, takeaways, transport, haulage and courier businesses aren’t accepted.
Fiscal Umbrella doesn’t provide free support for open HMRC enquiries or introduce investors.
The intake quiz gives a personalised recommendation before the free review is arranged.
Questions Hertfordshire company directors ask before switching
What do accountants in Hertfordshire include in the monthly fee?
A fixed fee can cover year-end accounts, corporation tax, VAT, bookkeeping, payroll, auto-enrolment, company secretarial work and the director’s Self Assessment, depending on the agreed scope. Advice can include your VAT scheme, salary and dividends, employment allowance and relevant reliefs. Everything included is written down before work starts.
Can I speak to accountants in Hertfordshire if I already have an accountant?
Yes. Start with the intake quiz and a personalised recommendation. If there is a fit, Fasih arranges a free review of the VAT scheme, tax position and director pay. Switching is discussed only after the gaps are clear, so speaking to Fiscal Umbrella does not commit the company to moving.
Do we have to move to different accounting software?
There is no automatic software move. Fasih first checks what you use for bookkeeping, payroll and marketplace data. If the current setup fits the company and produces accurate submissions, it may stay. Where a change is needed, Fiscal Umbrella supports Xero, QuickBooks, A2X, Hubdoc and Dext, including setup and training.
What happens with our current accountant when we switch?
Fiscal Umbrella contacts your current accountant, requests the accounts files and bookkeeping data, and handles professional clearance. The handover is planned around the filing timetable so VAT, payroll and year-end work can continue. The agreed scope and fixed fee are put in writing before the work starts.
Can Hertfordshire clients meet Fasih in person?
Fiscal Umbrella is based in Luton and works with Hertfordshire companies remotely by Zoom, Teams, phone and WhatsApp. Face-to-face meetings are available by appointment at the Luton office. This suits directors who want direct access to the accountant without choosing a firm solely because it is nearby.
Which Hertfordshire limited companies are a good fit?
The main fit is an established limited company whose director wants advice before making tax and spending decisions. Fiscal Umbrella works with online sellers, technology startups, professional services firms and larger construction companies. The owner should be comfortable working online, provide information when needed and accept suitable accounting software.
Three ways to take the next step
Start with the fit check
Answer a few quick questions for a personalised recommendation and, if there is a fit, Fasih will arrange the free review.
Check if you fit 02 · A question firstIs one tax decision bothering you?
Ask Fasih about the VAT scheme, tax bill, payroll or relief that your current accountant hasn’t covered.
Ask Fasih a question 03 · Still decidingStill deciding whether to switch?
Use the switching accountants checklist to compare what is already covered and what still needs an answer.
Plan salary and dividends →