Gwylio'r Geiniog - Ionawr 2026

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

Telephone: 07808 798 569
enquiries@huwaledaccountants.com

Gall dechrau Blwyddyn Newydd ysgogi pobl i ail-edrych ar sawl agwedd o'i bywyd, gan gynnwys materion ariannol. Dyma rai materion i chi ystyried ar ddechrau 2026:

1) Os nad oes ganddoch chi ewyllys gyfredol, bydd eich ystâd yn cael ei rannu yn unol â chyfreithiau diffyg ewyllys ('intestacy') sydd, yn y bôn, yn dilyn y llinell waed. Gall partneriaid di-briod dderbyn dim tra gall aelodau'r teulu elwa beth bynnag yw'ch dymuniad. Bydd yna lanast i'ch teulu geisio ddatrys.

2) Os oes ganddoch chi asedau sylweddol, mae angen i chi gynllunio, neu o leiaf fod yn ymwybodol, o'ch sefyllfa treth etifeddiaeth. Gall y newidiadau sydd ar droed i ganllawiau treth etifeddiaeth ar bensiynau (o fis Ebrill 2027) ac asedau amaethyddol a busnes (o fis Ebrill 2026) effeithio ar eich cynlluniau. Mae Huw ar gael ar gyfer adolygiadau manwl neu gwiriwch hyn gyda'ch cyfreithiwr/cyfrifydd presennol.

3) Set arall o ddogfennau pwysig i’w trefnu, yn enwedig ar gyfer unigolion sydd wedi cyrraedd, neu sydd dros, oedran pensiwn yw ffurflenni pŵer atwrnai ariannol ac iechyd sy’n caniatáu i’ch teulu/ffrindiau agos i ofalu am eich iechyd a'ch materion ariannol os byddwch yn mynd yn sâl.

4) Ydych chi wedi gwneud rhestr o’ch asedau ariannol ac yw'ch perthnasau/ffrindiau agosaf yn gwybod ble mae’r rhestr yn cael ei gadw? Mewn achos anffodus o farwolaeth sydyn neu analluogrwydd bydd hyn o leiaf yn sicrhau bod rhestr o'ch holl asedau ar gael i'ch ystâd.

5) Beth am eich asedau anariannol, fel eich ffôn clyfar (gan gynnwys lluniau, negeseuon, ayyb)? Os oes gennych ddyfais Apple, bydd Apple yn darparu mynediad i unigolyn penodol os ydych chi'n ychwanegu Cyswllt Etifeddiaeth ('Legacy Contact'). Yna, gall yr unigolyn yma gael mynediad at y data sydd wedi'i storio yn eich cyfrif Apple ar ôl eich marwolaeth.

6) Gwiriwch eich cofnod Yswiriant Gwladol a rhagolwg o'ch Pensiwn Gwladol ar wefan Gov.uk i gywiro unrhyw wallau nawr, cyn i chi ymddeol.

7) Ydych chi'n talu am nifer o wahanol fathau o yswiriant? Efallai bod ganddoch chi bolisi yswiriant cartref da, ond hefyd wedi cymryd opsiwn yswiriant pan wnaethoch chi brynu eitemau fel ffôn neu declyn. Gwiriwch polisi yswiriant eich cartref yn fanwl i sicrhau eich bod yn osgoi yswiriant deuol ('dual-insurance') ac hefyd bod ganddoch chi ddigon o yswiriant ar gyfer eich anghenion.

Blwyddyn Newydd Dda i chi gyd!

Our Services

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

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

Self Assessment Tax

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

Capital Gains Tax

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."