Specialist Accountants for GPs, Consultants & Locum Doctors

Accountants for Doctors in Fishguard

Specialist accounting and tax support for doctors working in and around Fishguard, whether you are a GP, hospital doctor, consultant, locum or private practitioner. From Self Assessment and multiple income sources to NHS and private income, allowable expenses, bookkeeping and tax compliance, we help you keep your financial affairs organised and your tax position clearly understood.

4.9/5.0

Google Reviews

⭐ What Clients Say About Us

See what doctors, dentists, and care providers say about working with us.

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Jamie Fletcher profile picture
Jamie Fletcher
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It was a pleasure working with Anum on our accounts. The whole process was swift and effortless, and it was one less thing to worry about. I'd highly recommend them.
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Mansur Liman profile picture
Mansur Liman
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Accotax have been our accountants for many years now. We maintained them, because of their professionalism. In the last coiple of years, i have working with Imran, who has been very professional and helpful in guiding us through the whole process explaining and clarifying every aspect of it. Very prompt in responding to questions and patient with us even when we seem to be slow. I really enjoy working with him. Thank you
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Muna Mohamoud profile picture
Muna Mohamoud
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I highly recommend Imran to anyone looking for a reliable and knowledgeable accountant. He helped me sort out a very complicated backlog of accounts and prepared my overdue tax returns with professionalism and attention to detail. Throughout the process, he was incredibly patient, took the time to answer all of my questions, and explained everything clearly. He guided me through each step and helped rectify issues that had built up over time, making what felt like an overwhelming situation much more manageable. I'm very pleased with the service I've received and truly appreciate his support. If you need help with your accounts or taxes, I would highly recommend Imran.
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Sergey M profile picture
Sergey M
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I had a positive experience with Accotax. The work was completed promptly, my tax return was successfully filed, and I received a refund of overpaid tax. I found the cooperation efficient and helpful. Special thanks to Muhammad Saifullah for his assistance.
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Ebba Qureshi profile picture
Ebba Qureshi
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Fabulous team at ACCOTAX - very efficient and good response time . Honest and professional with their work. I would highly recommend them even if you’re a young start up - or a large business they have it covered .
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Mael Leboucher profile picture
Mael Leboucher
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We worked with a few different accountants before finally settling with Accotax, and we’re really glad we did. Their team is great. Abdul is responsive and easy to reach whenever I have a question, which makes a big difference. They take the time to understand how our business works and what our needs are. They are very knowledgeable, and when they don’t have the answer straight away, they take the time to look into it and get back to us quickly. Anum, who looks after our account on a day-to-day basis, including reconciling invoices and preparing the annual accounts, is amazing. She is professional, efficient, and follows the processes we have put in place together. She's also very quickin getting back to us whenever needed. We’re very happy to work with her and hope to continue doing so for as long as possible. Overall, Accotax has made our accounting experience much smoother and easier. We see them as a long-term partner as our business continues to grow. I would 100% recommend them.
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3rd Hub profile picture
3rd Hub
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Imran provides a very dependable and straightforward accounting service. He is always responsive and professional when managing our accounts. Excellent support.
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Martin Tyrrell profile picture
Martin Tyrrell
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I have really impressed to date with all dealings with Accotax highly enough. From day one, they've made what can often be a complicated and stressful part of running a business feel straightforward and hassle-free. A special mention has to go to Anum, who has been friendly, incredibly responsive, and genuinely cares about providing the best possible service. No question is ever too much trouble, and she consistently goes above and beyond to make sure everything is dealt with efficiently. I wouldn't hesitate to recommend you to anyone looking for an accountant they can genuinely trust.
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Matthew Lyon profile picture
Matthew Lyon
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Great speedy service and very personable. Anum dealt with my income certificate and did everything quickly and helped me out massively. Very happy with the service provided.
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Which Doctors Do We Support in Fishguard?

Doctors rarely fit a single financial profile, and the accounting support that suits one clinician may not suit another. We work with a broad range of medical professionals, including GPs in practice or working as locums, hospital doctors and consultants on NHS contracts, salaried doctors with additional private work, private practitioners running their own clinics, and doctors who combine several streams of medical income at the same time. A GP partner dealing with practice and partnership finances faces very different questions from a locum consultant invoicing through a limited company, or a salaried doctor whose only additional income is occasional private fees. Where you sit on that spectrum affects how your income is taxed, which expenses can be claimed, whether a partnership or limited company is worth considering, and how your pension contributions interact with your earnings. If you are unsure which category best describes your circumstances, that is exactly the kind of detail we can unpick with you.

GPs

Accounting and tax support for GPs with NHS income, private work, practice interests or additional professional earnings.

Hospital Doctors

Support with Self Assessment, professional expenses and tax matters alongside employment income and other professional earnings.

Consultants

Accounting support for consultants managing NHS employment, private practice income, professional expenses and tax obligations.

Locum Doctors

Support with Self Assessment, locum income, allowable expenses, bookkeeping and relevant business structure considerations.

Salaried Doctors

Tax and accounting support for salaried doctors with additional professional income or expenses requiring reporting.

Private Practitioners

Accounting support for doctors providing private medical services through individual practices, partnerships or companies.

Our Accounting and Tax Services for Doctors

Our work with doctors is built around the way medical income actually arrives: a salaried or pensionable NHS element, private fees, locum shifts, consultancy work, or a combination of all of these across a single tax year. We prepare and file Self Assessment tax returns that bring together employed income, self-employed income and other taxable earnings, and we take the time to make sure the figures are complete rather than simply submitted. For doctors who are self-employed or in business with others, we prepare annual accounts, partnership accounts and, where a limited company is used, statutory accounts and Corporation Tax computations. Bookkeeping support keeps day-to-day records in order throughout the year, so tax returns are not built from a shoebox of receipts at the last minute. Payroll can cover practice staff or a company paying a director, while VAT may become relevant where private work or a practice reaches the registration threshold. Alongside compliance, we provide practical tax planning and management accounts, helping you see how profits, drawings and tax liabilities are developing, and we can advise on business structures when you are weighing up sole trader status, a partnership or a limited company.

Self Assessment Tax Returns

Preparation and support for doctors with employment, locum, private practice or other taxable income.

NHS & Private Income

Help organising accounting records where income comes from NHS work, private services, locum assignments or other professional activities.

Accurate records built around the way GP practices, partnerships and locum doctors actually work, with cloud software set up for you.

Tax Planning for Doctors & Consultants

Incorporation reviews for private practice, profit extraction, capital allowances and timing of income to keep your effective tax rate down.

Locum Tax & IR35 Support

Contract and IR35 status reviews, limited company versus sole trader comparisons and expense claims for locums working across multiple trusts.

Accounting and Tax Challenges Doctors Often Face

Medical careers tend to produce financial arrangements that are more layered than a single payslip. The challenges below are common considerations for doctors, though how much any of them applies to you will depend on your employment status, income sources and business structure.

  • Managing more than one income source. NHS pay, private fees, locum work and consultancy income can each be taxed in different ways, and they often need to be reported together on one tax return. Keeping track of which income belongs where is one of the most common administrative pressures doctors face.
  • Self Assessment obligations. Many doctors fall within Self Assessment, particularly once private or locum income is involved. Payments on account can catch people out, because they are based on the previous year's liability rather than the current year's earnings.
  • Understanding allowable professional expenses. Medical indemnity insurance, GMC or specialist register fees, professional body subscriptions, qualifying training and professional development costs, equipment and business mileage may all be claimable in the right circumstances. Claiming too little is as much of a problem as claiming something that is not allowable.
  • Record keeping across employment and self-employment. Records need to be retained for both employed and self-employed income, and the practical difficulty is often that invoices, timesheets, bank statements and expense receipts sit in different places.
  • Choosing the right business structure. Whether locum or private work is best carried out as a sole trader, through a partnership or via a limited company depends on income levels, how you work and your wider financial plans. It is not a decision that suits everybody in the same way.
  • Pension considerations. The NHS Pension Scheme, additional private contributions and the interaction between pension growth and earnings can raise questions that sit close to your tax position. Accurate income and profit records are the starting point for any sensible discussion.
  • Locum and consultancy income with no tax deducted at source. Where no PAYE is operated on your earnings, the tax is not collected as you go. That makes planning and setting money aside a practical necessity rather than an afterthought.
  • Partnership and practice finances. GP partners and doctors in practice partnerships deal with profit shares, capital accounts and drawings that need proper accounting, and often alongside personal tax returns rather than separately from them.

Why Doctors in Fishguard Choose CruseBurke

Doctors come to us because they want an accountant who understands the shape of a medical career rather than treating them as a straightforward tax return. We take the time to establish where your income comes from, how you are structured, and what you are trying to achieve, then build accounting and tax support around that. In practice, that means clear explanations rather than jargon, a proactive eye on deadlines, and organised records that make your position easier to evidence if HMRC ever asks questions. We also recognise that doctors work in very different ways: a salaried hospital doctor, a GP partner, a locum billing through a company and a private practitioner running a clinic all need different conversations. Our advice is tailored to your circumstances, whether that involves Self Assessment, partnership accounts, company compliance, bookkeeping or tax planning around pension contributions. Above all, we aim to give you straightforward answers you can act on, so your finances support your career rather than adding to your workload.

Healthcare Focus

We support GPs, locum doctors, consultants and other medical professionals with accounting and tax matters tailored to their individual circumstances.

Every Allowable Expense Claimed

GMC and indemnity fees, royal college subscriptions, exams, courses, equipment and mileage — nothing left on the table.

NHS Pension Specialists

We calculate your pension input amount, check tapering and advise on Scheme Pays before a charge becomes a problem.

IR35 & Locum Confidence

Status reviews on your engagements and a clear answer on limited company versus sole trader for your circumstances.

Deadlines Handled for You

Returns, accounts and payroll filed on time, with reminders well in advance so penalties never happen.

Fair, Fixed Fees

One agreed monthly fee, quoted up front, with no hourly billing and no surprise invoices.

Our Simple 3-Step Process for Doctors

Getting the right accounting support should not be complicated. First, we start with a conversation about how you work, covering your NHS income, private fees, locum shifts, consultancy work, practice involvement and any other earnings, along with your current accounting arrangements. Second, we review what that means in practice: which returns and deadlines apply to you, how your records are currently kept, whether your business structure still fits, and where there may be gaps or missed claims. Third, we put the appropriate support in place, whether that is Self Assessment, bookkeeping, annual or partnership accounts, payroll support, VAT, or ongoing tax planning, and agree how and when we will work together. From that point, you have a clear picture of what is being handled and when, and someone to speak to when your circumstances change.

1. Initial Consultation (It’s Free):

We begin by getting to know your practice and understanding your unique needs. This step ensures we have a clear picture of your operations and your goals.

2. Customised Plan:

Based on our initial discussion, we create a personalised plan designed specifically for you. The aim is to keep everything organised and easy to follow. You can rest assured that your numbers are being handled with expert precision.

3. Ongoing Support & Updates:

From there, we take care of the ongoing work and keep you updated with reports. You’ll always know what’s happening, and we’re always here to answer your questions, ensuring you have a clear picture of your financial health at all times.

What Makes CruseBurke Different for Doctors?

What sets our approach apart is the willingness to look at a doctor’s finances as a whole rather than in isolated pieces. We consider how employed NHS income, private practice receipts, locum work and consultancy fees sit together, and how that combined position affects your tax return, your expenses and your planning. That means examining professional costs carefully, from medical indemnity and registration fees through to subscriptions, training and equipment, and making sure the claims made are both appropriate and properly supported. It also means thinking ahead on structure, whether a limited company or partnership arrangement genuinely suits your circumstances or whether a simpler route is more sensible, and keeping bookkeeping and reporting organised enough that decisions are based on real figures. Because doctors’ circumstances shift over time, whether through a change in contract, a move into private practice or a new source of income, our support is designed to adapt as your career develops.

Technology Driven

We use Xero, Quickbooks, Sage & many other online software.

Dedicated Medical Accountant

Meet, call or email the same qualified accountant who knows your practice and your pension position.

Unlimited Support

Free telephone & email support
throughout the year.

Experienced Team

Our team have over 100 years of combined experienced.

Free - Email Reminders

Never Miss any deadline with our automated email reminders.

Yes, We Are Chartered!

We’re an ICAEW, ACCA & AAT accredited Firm.

How to Switch to Our Doctor Accountants

Take a back seat and let our specialist healthcare accountants handle everything. Switching part way through the year is straightforward and you never need to speak to your old accountant:

Get in touch

Reach out to us, and we’ll discuss your needs and how we can help your healthcare practice thrive.

Letter of Engagement

We’ll send over a simple letter to formalise our partnership and get everything in motion.

Previous Accountants

If you're switching, we’ll take care of contacting your previous accountants to make the transition smooth.

We Do the Rest

From there, sit back and relax. We’ll manage your accounts, taxes, and everything in between, keeping your practice running smoothly.

FAQs

It depends on your circumstances. A doctor whose entire income is taxed through PAYE and who has no private income, expenses to claim or complex pension position may manage without one. But once you have locum income, private fees, consultancy work, a practice partnership, a limited company or multiple income sources, the reporting becomes less straightforward and the scope for error increases. Many doctors also want reassurance that allowable expenses, such as medical indemnity and professional subscriptions, are being claimed correctly.

Not every doctor does. If all your income is taxed through PAYE and there is nothing else to report, a return may not be required. However, Self Assessment is generally needed where you have self-employed income from locum or private work, untaxed income, higher-rate tax charges, or income from a partnership or company. The position can change from year to year, so it is worth reviewing rather than assuming it stays the same.

NHS salary and pensionable pay is normally taxed through PAYE, so tax is deducted as you are paid. Private fees, locum work and consultancy income are usually self-employed income, meaning tax is not deducted at source and you are responsible for reporting it and paying the tax due. Where you have both, they come together on your tax return, and the interaction between the two can affect the overall liability.

Common claims include medical indemnity insurance, GMC and specialist register fees, professional body subscriptions, qualifying training and professional development costs, specialist equipment, and business travel or mileage. Whether an expense is allowable depends on whether it is incurred wholly and exclusively for your work, and employed and self-employed expenses follow different rules. Because of that, it is worth reviewing your costs with an accountant rather than assuming a claim is automatically valid.

Sometimes, but not always. A limited company can suit doctors with substantial self-employed profits or those planning to retain earnings in the business, and it brings its own obligations such as statutory accounts, Corporation Tax and payroll for directors. For others, working as a sole trader or through a partnership remains simpler and equally appropriate. The right answer depends on your income levels, how you work and your personal circumstances, so it is worth discussing before making changes.

Yes. Partnership work involves profit shares, drawings, capital accounts and accounts preparation that sit alongside each partner's personal tax return. We can handle the partnership accounts and tax return as well as the individual partners' Self Assessment, so the figures are consistent and each partner understands their own position. How that is structured will depend on the partnership agreement and the way the practice operates.

Yes. Accounting support can be delivered remotely, with documents and records shared electronically and meetings held by phone or video where that suits you better. Many doctors prefer this because it fits around clinical commitments. The important thing is that Secure handling of your information and clear communication are maintained, whether we are working with you remotely or face to face.

It is usually straightforward. We would ask for your details, contact your existing accountant to request professional clearance and the relevant records, and review your current position before taking over. Most of the administration sits with us rather than you. If you are switching partway through a tax year, we will make sure deadlines are not missed during the transition.

Speak to an Expert

Juggling NHS pay, private fees and locum income? Get accounting support built for doctors in Fishguard

When income arrives from several directions at once, keeping track of expenses, records and tax deadlines can quickly become a job in itself. CruseBurke provides accounting support tailored to doctors in Fishguard, including Self Assessment that brings your NHS and private income together properly, bookkeeping that keeps your records organised throughout the year, and practical guidance on the expenses you may be entitled to claim. If you would like a clearer view of your tax position and a straightforward way to stay on top of it, we would be glad to talk through your circumstances.