RPJ Accountancy Ltd

RPJ Accountancy Ltd Limited Company Accounting - Our core service is designed as a complete tax and accounting solution for limited companies and their directors.

Services include; Annual Accounts, Corporation Tax, VAT, Payroll, Self-assessment. RPJ Accountancy was formed specifically to meet the needs of small business. The aim being to provide an added value service by supporting business owners with a pro-active accounting solution. Add us to your team and benefit from over 30years of financial management experience.

Do you put money aside for tax each time you take a dividend from your company?If you use the same percentage you used l...
29/09/2026

Do you put money aside for tax each time you take a dividend from your company?

If you use the same percentage you used last year, it may be time to check it. Dividend tax increased in April 2026, so your usual savings amount might leave you short when your tax bill arrives.

We’ve put together a short guide to what changed, how to keep on top of the bill, and whether directors should still use a mix of salary and dividends.

Read the article here: [https://rpjaccountancy.co.uk/advice/dividend-tax-changes-april-2026]

Most business owners assume that if their business is successful, they're becoming financially independent.But are they?...
09/06/2026

Most business owners assume that if their business is successful, they're becoming financially independent.

But are they?

I've met plenty of founders with profitable companies, healthy cash balances and six-figure incomes who still couldn't stop working if they wanted to.

Why?

Because business success and financial independence aren't the same thing.

One creates income.
The other creates choice.

The article below explores why so many profitable founders unknowingly build businesses that depend entirely on them, and why accumulating cash inside a company isn't always the same as building personal wealth.

It's a subtle distinction, but one that changes how you think about success.

👇 Read more in the full article. https://rpjaccountancy.co.uk/advice/financial-success-tips-for-founders-2026

At a certain point, retained profit stops feeling like security and starts feeling… stuck.The business is profitable.Cas...
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]

Most business owners know the tax rate changes once income goes above £100,000.What many don’t realise is just how sever...
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

Are you paying yourself the right salary as a director?It sounds simple… but it’s one of the most common mistakes I see....
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

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Harpenden
AL52JD

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10am - 12:30pm

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