My Panam Accountants
From healthcare professionals and landlords to sole traders and limited companies, we provide expert, personal accountancy that works as hard as you do.
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At My Panam Accountants, we believe great accountancy is personal. With over a decade of experience, we've built lasting relationships with every client, taking the time to truly understand your finances, your goals, and your life.
Whether you're a healthcare professional navigating complex income streams, a landlord growing your portfolio, or a business owner focused on what you do best, we're the trusted partner by your side, every step of the way.
Every conversation is with someone who knows your circumstances intimately, bringing clarity, confidence and continuity to your finances.
Your goals, your ambitions, your life. Our advice is shaped entirely around you, not a template or a tick-box exercise.
From deadlines to decisions, we carry the complexity, leaving you free to focus on what truly matters in your business and your life.
Whether you're a sole trader filing your first return or a limited company director with multiple income streams, we've got you covered.
Accurate, timely filing for sole traders, freelancers, landlords and anyone with income to declare. We handle the complexity so you don't have to.
Full statutory accounts, Corporation Tax returns, and Companies House filings. Director salary and dividend planning to keep your tax bill low.
Making Tax Digital compliant bookkeeping, quarterly VAT returns, and reconciliation. Clean records mean clean accounts.
Rental income declarations, allowable expense optimisation, mortgage interest relief, and advice on property portfolio structuring.
Specialists in NHS associate income, locum pay, private practice, and the complex tax rules that apply to doctors, dentists and pharmacists.
From sole trader cafés to limited company restaurant groups, we handle bookkeeping, VAT, payroll, and year-end accounts.
Specialist accountancy for corner shops, newsagents, off-licences, petrol station forecourts and independent retailers.
Comprehensive plans including P&L forecasts, cash flow projections, sensitivity analysis and balance sheets. Over 250 business plans produced, with clients successfully securing funding and premises.
Monthly payroll runs, P60s, P11Ds, auto-enrolment, and Construction Industry Scheme returns for contractors and subcontractors.
As a self-employed dentist, doctor, pharmacist or locum your tax position is more complex than most. Here's what you need to know.
If you work across both NHS and private practice, your income needs to be carefully split for tax purposes. You can claim equipment, lab fees, and materials against each income stream.
Whether you're a practice owner or dental associate, you can claim: lab fees, dental materials, equipment, CPD courses, indemnity insurance (MDU/MPS), BDA membership, and travel between practices.
NHS pension contributions are one of the most valuable tax reliefs available. Higher-rate taxpayers receive 40% relief on contributions. It's important to declare these correctly on your Self Assessment.
Once your profits exceed a certain threshold, operating through a limited company can be more tax-efficient. We'll model both scenarios so you can make an informed decision.
Whether you're a locum pharmacist or employed, your tax obligations differ significantly. Locums must register for Self Assessment and manage their own National Insurance.
Pharmacists can claim: GPhC registration, CPD, professional indemnity, uniform costs, travel between pharmacies, and equipment or reference materials.
Many pharmacists have income from multiple locum agencies or employers. We ensure all sources are declared correctly and that you're not paying more tax than you owe.
Self-employed pharmacists miss out on employer pension contributions. We help structure personal pension payments to maximise tax relief and plan for retirement efficiently.
GP partners have partnership income with specific allowable expenses. Salaried GPs may also have private income to declare. Both require specialist handling to ensure accurate returns.
Income from private consultations, medico-legal work, and clinics must be declared separately. Allowable expenses include room hire, medical secretary costs, and professional subscriptions.
The NHS pension scheme is generous but complex. Doctors approaching the annual allowance limit face significant charges. We help you understand your position before it becomes a problem.
Many doctors use limited companies for private or locum work. We advise on IR35 status, director salary and dividend structure, and ensure HMRC compliance.
All locums must register with HMRC for Self Assessment. Failing to register or filing late results in penalties. We handle your registration and ensure deadlines are never missed.
Locums travel extensively between sites. HMRC allows 55p per mile for the first 10,000 miles (increased from 45p in April 2026). Keeping accurate mileage logs can add up to a significant tax saving.
Locums can claim: professional registration, indemnity insurance, CPD, medical equipment, stationery, and a proportion of phone and home office costs.
HMRC requires locums to make advance tax payments (Payments on Account) twice a year. Many are caught off-guard by these. We forecast your liability so you're always prepared.
Not sure where you stand? Get in touch and we'll help →
Sofia ran a thriving market stall food business in Portsmouth, but as trade grew, her finances weren't keeping pace. She came to us behind on her accounts, unsure of her tax position and overwhelmed by HMRC correspondence she couldn't make sense of.
We stepped in, reconstructed her records from scratch, resolved her HMRC backlog and put a straightforward bookkeeping system in place that she could manage herself alongside running the stall.
We restructured her business set-up, identified expenses she hadn't been claiming, and reduced her tax bill significantly, freeing up cash to expand her offering and take on a second pitch.
— Sofia, Food Trader
Not legally, but most self-employed people find the cost of an accountant is far outweighed by the tax savings and time saved. An accountant ensures you're claiming everything you're entitled to and never missing a deadline.
Fees are fixed and agreed upfront, no surprise bills. Get in touch and we'll give you a clear, no-obligation quote.
It's more common than you'd think. We can help you get up to date, minimise any penalties, and set up systems to make sure it doesn't happen again.
Yes, it's one of our core specialisms. NHS associate income, pension reporting, private practice, and locum pay all have specific tax rules. We've handled these for years.
Absolutely. Switching accountants is simpler than most people expect. We handle the professional handover process and liaise with your previous accountant to obtain your records.
Yes, everything can be handled remotely via email, phone and video call. Many of our clients have never visited an office and that suits them perfectly.
Fill in the form and we'll get back to you promptly. We aim to respond to all enquiries within one business day.
Tell us a little about your situation and what you're looking for. There's no obligation, just a straightforward conversation about how we can help.