Returns filed early
612
Filed before 31 January
Tax and accounts, sorted before the deadline
Self-assessment, small-business bookkeeping and inheritance-tax planning for Bristol families, on a fixed fee you agree first.
48 hFixed fee in writing
£245Self-assessment, from
Last tax year
Your numbers, filed on time. And explained in plain English.
Ruth, Tom and Aisha answer your emails themselves
Businesses on our books
140
Books closed by the 10th
Inheritance tax saved
£2.3m
Planned away for 96 families
What we do
Three jobs, done properly every year
Every fee is fixed and written down before we start. No clock running when you call.
Self-assessment
Landlords, sole traders and anyone with income outside PAYE. We gather it, claim what you're owed and file early.
Small-business bookkeeping
Monthly books, VAT returns and payroll in Xero or QuickBooks, ready for Making Tax Digital.
Inheritance-tax planning
A written plan for your estate: allowances, gifts, your will and the family home, worked out in pounds.
Why Marrow & Pike
What changes when we keep your books
On your own
Filing at 11pm on 30 January
Guessing which costs HMRC allows
A brown envelope you daren't open
Receipts in a carrier bag
No idea what your children will inherit
Fees that grow with every call
With Marrow & Pike
Filed by mid-December, copy in your inbox
Every allowable cost found and explained
We read HMRC's letters and reply for you
Monthly books closed by the 10th
A written estate plan with the tax worked out
One fixed fee, agreed in writing
The tax year, watched
Five dates we keep, so you don't have to
5April
Year ends
Last day for this year's £3,000 gift allowance and pension top-ups.
31July
2nd payment
Your second payment on account is due to HMRC.
5October
Register
New to self-assessment? Tell HMRC by today.
31January
Return due
Online return filed and the balance paid, or a £100 penalty.
7years
Gifts
Live seven years after a gift and it leaves your estate.
Inheritance-tax planning
What a £1.2m Bristol estate could owe
A married couple in Westbury-on-Trym, a paid-off home and savings. Here is the sum we'd walk them through.
Home in Westbury-on-Trym£720,000
Savings and investments£480,000
Couple's allowances2 × £325,000 + 2 × £175,000−£1,000,000
Bill at 40% with no plan£80,000
After £160,000 gifted to their children, seven years on£16,000
Sample figures using 2026/27 allowances. Your plan starts from your own estate.
How it works
From shoebox to filed in four steps
Send us the shoebox
Upload papers or drop them at Queen Square. Messy is fine.
Fixed fee in 48 hours
We list what we'll do and what it costs, in writing.
You check, then sign
A one-page summary before anything goes to HMRC.
Filed, with proof
HMRC's receipt in your inbox and next year's dates in your diary.
Founding partner
“Most people don't need more tax knowledge. They need someone to open the envelope with them.”
Ruth MarrowFounding partner, personal tax
- Tom PikeBookkeeping & VAT
- Aisha RahmanInheritance tax
- Ollie GrantSelf-assessment
Before you call
Questions we hear every January
Is the first call really free?
Yes. Twenty minutes on the phone or at Queen Square. We tell you what you need, and what it costs, before you commit.
I've missed the 31 January deadline. Can you help?
Yes. We file as soon as we have your papers and can often appeal the £100 penalty if you had a reasonable excuse.
Does Making Tax Digital affect me?
From April 2026 it covers sole traders and landlords earning over £50,000, and over £30,000 from April 2027. We set up the software and file quarterly.
When should we start planning for inheritance tax?
Ideally in your sixties, while gifts still have time to pass the seven-year rule. It is never too late to check your will and allowances.
Do you work with clients outside Bristol?
Yes. About a third of our clients meet us by video, from Bath to Cardiff.
Call or write
Talk to an accountant this week
0117 496 0412
- Mon–Fri
- 8:30–17:30
- January
- Saturdays 9:00–13:00 too
- Reply in one working day