by Gareth Thomas | Apr 4, 2026 | Accounting, Finance, Taxes
Many people assume they’ll automatically receive the full State Pension when they retire. But that isn’t always the case. Your entitlement depends on how many qualifying years of National Insurance contributions you have built up during your working life. If you don’t...
by Gareth Thomas | Dec 1, 2025 | Accounting, Business, Finance
There’s been a lot of noise recently about pensions and inheritance tax (IHT). Draft legislation has been published for inclusion in a future Finance Bill that would bring unused pension pots into the IHT net from 6 April 2027. So, it’s natural to ask: should you be...
by Gareth Thomas | Nov 5, 2025 | Accounting, Business, Finance
If you claim higher or additional rate relief on your personal pension contributions through your tax code, there are some important new rules you’ll want to know about. From 1 September 2025, HMRC introduced stricter evidence requirements for these claims — and also...
by Gareth Thomas | Oct 10, 2025 | Accounting, Business, Finance, Taxes
If you run your own company, you’ll know there are several ways to extract profits. One of the most common strategies is to pay yourself a small salary and then take additional profits as dividends. This is often the most tax-efficient approach — but salary plays...
by Gareth Thomas | Oct 1, 2025 | Accounting, Business, Taxes
If you’ve built up pension savings, you may be surprised to learn that new rules are on the horizon which could affect how much of your pension passes to your loved ones tax-free. From 6 April 2027, unused pension funds or death benefits will become liable to...
by Gareth Thomas | May 5, 2025 | Accounting, Business, Finance, Taxes
Saving for retirement isn’t just a smart financial move—it can also be incredibly tax-efficient. Whether you’re putting money into your own pension pot, contributing on behalf of an employee, or looking at ways your business can support your retirement plans,...
by Jon Davies | Mar 20, 2025 | Business, Finance, National Insurance
“Pensions” might be a boring word. Even more boring than “accounts”. Or “tax”. But it’s a bit more interesting when you can turn one £907 payment now into £342 per annum for life (and inflated every year!). Even Warren Buffett...
