Straightforward answers to common questions

Who I work with

  • Absolutely. I work with sole traders, start-ups and smaller businesses, including those that need straightforward bookkeeping, accounts or tax support without additional advisory services.

  • Yes. I can prepare standard Self Assessment tax returns and help sole traders or landlords move to an MTD-ready setup where required. I’ll keep the process straightforward, compliant and manageable.

  • Yes. I work with clients across Dorset and the UK using cloud-based systems, so you’ll receive the same personal support wherever you are. In-person catch-ups are available for local clients by arrangement.

  • Harbourlight is best suited to businesses and individuals who value clear communication, efficient digital systems and practical guidance. If your only priority is the lowest possible filing fee, or you prefer mainly paper-based processes, another practice may be a better fit.

  • Communication is tailored to the support you need. This may include scheduled check-ins, with access for questions between meetings where agreed.

  • I work with sole traders, start-ups and established limited companies across a range of sectors. The common thread is a desire for organised finances, clearer information and dependable support.

  • My usual hours are 9am–6pm, Monday to Friday. Where needed, limited out-of-hours availability can be agreed in advance as part of your support.

  • You’ll work directly with me throughout, so you always have a consistent point of contact who understands your business.

Software and switching

  • Not necessarily. I work with Xero, QuickBooks, Sage and FreeAgent and can help improve your current setup or move to a more suitable platform if needed.

    For more complex businesses, I can also work alongside existing systems and internal finance teams.

  • Switching is usually straightforward. I’ll liaise with your existing accountant, arrange the transfer of information and keep disruption to your business to a minimum.

  • I use established cloud accounting platforms and appropriate security and data-protection practices.

    Harbourlight Accounting also works in line with applicable ICAEW professional standards and UK data-protection requirements.

  • Yes. Harbourlight Accounting is a cloud-based practice, using modern software to reduce admin, improve visibility and provide useful, up-to-date financial information.

Setting sun at Poole Harbour with lantern in foreground

Services and pricing

  • Not at all. You can start with the bookkeeping, accounts, tax, systems or advisory support you need now, then adjust the support as your circumstances change.

  • Certainly. I can work alongside you, your bookkeeper or your internal finance team. Support can range from compliance oversight and process improvements to management reporting and strategic advice, depending on where additional experience or resource will be most useful.

  • A traditional accountant typically focuses on compliance, reporting and making sure legal obligations are met.

    A Fractional FD helps you look ahead, supporting decisions around growth, cash flow, profitability, risk and planning.

    Many businesses benefit from both.

  • Yes. I can provide advisory support alongside your existing accountant or bookkeeper, provided the financial information is accurate and up to date. Reliable information is essential for useful advice and sound decisions.

  • Fees depend on the services you need, the complexity involved and the level of support.

    Typical monthly starting prices are £125 for sole-trader compliance, £250 for limited-company compliance, £500 for systems and reporting support, and £1,000 for Fractional FD or advisory support.

    One-off services, including Self Assessment tax returns, are quoted separately.

    I’ll agree the scope and fee with you before work begins, so you know exactly what is included.

  • For many small and growing businesses, a full-time Finance Director is not yet necessary or cost-effective. Fractional FD support provides senior financial input on a flexible basis, without the salary and employment commitment of a full-time appointment.

  • I’ll recommend a level of support based on your priorities and explain the options before you commit.

    Ongoing work usually begins with an initial six-month period to complete setup and establish a reliable way of working, followed by a rolling monthly arrangement.

  • The timing depends on your starting point and the support required. I’ll focus first on the issues causing the most time, uncertainty or risk, while building the systems and information needed for longer-term value.

  • Yes. You’ll work directly with me, and I can bring together bookkeeping, payroll, VAT, reporting and financial guidance as one joined-up service. This gives your business the structure and continuity of an accounts department without the cost or commitment of building a full in-house team.

Let’s start with a conversation

Still have questions? Tell me what you need help with, and we can explore whether Harbourlight is the right fit.

Let's talk

A friendly conversation, no pressure.