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Business Owners
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It can be daunting setting up a new business and not knowing what needs to be done from a financial perspective. Our accounting experts will set you up with everything you need so your systems and processes are clear from the start. As your business grows, we’ll adapt those solutions so they continue to meet your needs.

Our tax team will ensure you minimise your tax liabilities and understand your responsibilities.

Our financial business consultants will help you to set up workplace pensions and review your accountancy and IT systems. We can help set up business protection and key man insurance in case anything happens to the people who are critical to your business. We can also help you with outsource solutions such as payroll, auto-enrolment and VAT services.

We’ll help you analyse and interpret the financial information produced so that you always feel informed and in control of your firm’s finances.

Individuals
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Money can be a source of worry. How do you know you’re doing the right thing? How do you keep track of everything? Who can you trust to help? We understand how complicated it can all seem, and help our clients to understand all the options.

We’ll provide you with advice about how to optimise your income, protect capital and save tax. We’ll help you to preserve your wealth, save for a special occasion or plan your retirement. If you’re our financial planning client, you also benefit from tax planning. This means we don’t just look at your investment account, we also consider your overall tax position.

Families
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Perhaps you’re wondering when you can retire and if you’ll have enough money to do everything you’d like. You might be wondering if your family is adequately protected in case anything happens to you. Or perhaps you’re looking for a way to plan for university or school fees. 

We’ll find out what your current circumstances are, what your savings and investment goals look like, and work from there. We’ll track down all your pension policies, see what they’re worth, and build your investment portfolio around them, making sure you take full advantage of available tax incentives. We’ll help you ensure your loved ones are looked after by exploring life insurance, critical illness cover, and inheritance tax planning.

We can also help you make practical and tax-efficient arrangements to protect and pass on the valuable family business you’ve built up over the years.

Contact Us

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info@jameshair.co.uk
01334 654 030
59, Bonnygate, Cupar, Fife, KY15 4BY
146 South Street, St Andrews, Fife, KY16 9EG