Cymraeg
Cymraeg

Sefydlwyd Cyfrifwyr Huw Aled Accountants ym mis Chwefror 2020 er mwyn rhoi cymorth i unigolion gyda'u cyfrifon a'u trethi. Rydym yn arbenigo mewn cyfrifon a threthi ar gyfer unigolion hunan gyflogedig, landlordiaid, uwch reolwyr ac ‘expats’. Mae'r iaith Gymraeg yn bwysig iawn i Huw ac Aled gan eu bod nhw’n dau yn Gymry Cymraeg iaith gyntaf.

DARLLEN MWY
CYSYLLTWCH Â NI
Telephone: 07808 798 569        Email: enquiries@huwaledaccountants.com

Gwylio'r Geiniog - Ionawr 2023

Gwylio'r Geiniog - Ionawr 2023

Dyma rai materion ariannol i'w hystyried ar ddechrau'r Flwyddyn Newydd:

  1. Oes ganddoch chi ewyllys clir, cyfredol? Gall Huw eich helpu gyda drafftio cynnwys yr ewyllys a gwirio eich sefyllfa treth etifeddiaeth. Yna, bydd cyfreithiwr dwyieithog lleol yn cwblhau'r broses o ddrafftio eich ewyllys.

  2. Os oes angen i chi drefnu Atwrneiaeth ('Power of Attorney') ar eich cyfer chi, neu i aelod arall o'r teulu, cysylltwch â Huw.

  3. A yw eich cynilion yn eistedd mewn cyfrif llog isel? Gan fod cyfraddau llog wedi codi sawl gwaith yn ystod 2022, gyda rhai’n awgrymu y bydd cyfraddau llog yn cyrraedd uchafbwynt erbyn canol 2023, efallai y byddai’n fuddiol manteisio ar y cyfraddau llog uwch ar gyfrifon cynilo. Gall gwefannau cymharu ddangos yr opsiynau sydd ar gael.

  4. Ydych chi dros 45? Gwiriwch eich rhagolwg ar gyfer Pensiwn y Wladwriaeth ar wefan Gov.uk. Yn gyffredinol, mae angen o leiaf 35 o flynyddoedd llawn o daliadau Yswiriant Gwladol (YG) er mwyn i unigolion fod yn gymwys i dderbyn Pensiwn y Wladwriaeth llawn.

    Os oes ganddoch chi fylchau yn eich cofnod YG yn mynd yn ôl i 2006, gallwch ychwanegu taliadau YG at y blynyddoedd hyn, ond y dyddiad cau ar gyfer hyn yw mis Ebrill eleni. O fis Ebrill 2023, dim ond 6 blynedd y gallwch chi fynd yn ôl i ychwanegu at unrhyw daliadau ar eich cofnod YG.

  5. A oes ganddoch chi unrhyw asedau yr ydych yn ystyried eu gwerthu? Bydd y lwfans di-dreth ar gyfer treth ar eiddo ('capital gains tax') o £12,300 yn cael ei ostwng i £6,000 ym mis Ebrill 2023 (a'i haneru eto i £3,000 o fis Ebrill 2024). Bydd hyn yn arwain at dreth ar eiddo uwch o dros £1,000 y flwyddyn i unrhyw un sy’n gwerthu asedau o fis Ebrill 2023.

    Os ydych yn ystyried gwerthu asedau megis tai neu fuddsoddiadau, efallai hoffech wneud hynny cyn Ebrill 2023. Os oes angen cymorth arnoch gyda chyfrifiadau treth ar eiddo, cysylltwch â ni.

  6.  A ydych yn gyfranddaliwr/cyfarwyddwr cwmni cyfyngedig neu a oes gennych bortffolio buddsoddi o gyfranddaliadau? Bydd y lwfans di-dreth ar gyfer difidendau yn cael ei ostwng o £2,000 i £1,000 ym mis Ebrill 2023 a'i haneru eto i £500 o fis Ebrill 2024. Mae hyn yn debygol o arwain at fwy o unigolion yn cael eu dal gan ofynion i gwblhau ffurflen dreth yn y dyfodol o fis Ebrill yma ymlaen.

Gwylio'r Geiniog

Our Services

Making Tax Digital for Income Tax
One of the most significant changes to personal income tax is taking place from April 2026 onwards and action is…

Making Tax Digital for Income Tax

Self Assessment Tax
Huw and Aled are specialists in the field of taxation for individuals, in particular the preparation of self assessment tax…

Self Assessment Tax

Capital Gains Tax
Huw and Aled have significant experience in assisting individuals with understanding, quantifying and reporting their capital gains tax liabilities to…

Capital Gains Tax

Expats
Expat taxation services are offered to expats who are living abroad on a temporary or permanent basis. Our client base…

Expats

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"You have made what is a complicated situation very clear. Thank you very much for your contribution."
"Rydych chi wedi gwneud yr hyn sy'n sefyllfa gymhleth yn glir iawn. Diolch yn fawr iawn am eich cyfraniad."

Dewi Llwyd
Dros Ginio (BBC Radio Cymru)
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“Thank you so much for sorting out my capital gains tax. I can finally put closure on the situation, which believe me is a huge weight off my shoulders.”

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“Diolch yn fawr am eich cymorth. Rydych wedi bod yn help mawr ac wedi rhoi tawelwch meddwl i fi.”

“Thank you very much for your assistance. You have been a real help and given me peace of mind.”

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From a client who's originally from Germany and has started working self-employed in the UK. We've been helping her to understand the UK tax system:

“Thank you very much for your patience, I really appreciate it. If only we could have lectures at university about things like this! That makes perfect sense, thank you very much.”

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"Thanks once again for your help this year. I've had a bit of a nightmare with accountants in the last few years. I'm so glad to have found one who is so approachable and knowledgeable and a nice bloke to top it off."

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“Diolch yn fawr iawn Aled am eich gwaith trylwyr. Mae'r cwmwl wedi codi!”

"Thank you very much Aled for your thorough work. The clouds have lifted!"

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"I just received your newsletter today. As you know, I live out of the country and hence find it slightly difficult to keep up to date with the financial updates within the UK. Your newsletters are heaven-sent, for me. Please keep up the good work."

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"Huw Aled Accountants have been a lifeline throughout the COVID-19 pandemic, notifying me of several grants and funds to which I could apply for my business, having been ineligible for government schemes. I am very grateful for their continued support and expertise."

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"Your newsletter alerted me to a support fund made available to freelancers as a result of Covid-19. I have successfully received funding, which has made a significant difference to me at a time when work has dried up during lockdown. Thank you very much for all your support!"

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"I want to express my sincere gratitude for your efficient service. It has truly been a breath of fresh air."

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