A2Z Accounting Solutions

30/09/2026

𝐋𝐎𝐂𝐔𝐌 𝐏𝐇𝐀𝐑𝐌𝐀𝐂𝐈𝐒𝐓? 𝐋𝐈𝐌𝐈𝐓𝐄𝐃, 𝐒𝐎𝐋𝐄 𝐓𝐑𝐀𝐃𝐄𝐑 𝐎𝐑 𝐔𝐌𝐁𝐑𝐄𝐋𝐋𝐀?

Before you choose a structure for your locum work, check IR35 first.

A limited company isn’t always tax-efficient. IR35 applies contract by contract, with clients often determining your status.

𝐎𝐮𝐫 𝐧𝐞𝐰 𝐠𝐮𝐢𝐝𝐞 𝐛𝐫𝐞𝐚𝐤𝐬 𝐝𝐨𝐰𝐧:

Sole trader vs. limited vs. umbrella
How IR35 can affect the decision
Allowable expenses for locum pharmacists
Pension considerations
A worked £𝟔𝟎,𝟎𝟎𝟎 𝐥𝐨𝐜𝐮𝐦 𝐢𝐧𝐜𝐨𝐦𝐞 example

𝐃𝐨𝐧’𝐭 𝐜𝐡𝐨𝐨𝐬𝐞 𝐭𝐡𝐞 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 𝐟𝐢𝐫𝐬𝐭 𝐚𝐧𝐝 𝐜𝐡𝐞𝐜𝐤 𝐈𝐑𝟑𝟓 𝐥𝐚𝐭𝐞𝐫.

𝐑𝐞𝐚𝐝: https://a2zaccounting.co.uk/locum-pharmacist-tax/

𝐍𝐞𝐞𝐝 𝐡𝐞𝐥𝐩 𝐜𝐡𝐨𝐨𝐬𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐥𝐨𝐜𝐮𝐦 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬? 𝐁𝐨𝐨𝐤 𝐚 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧.

17/09/2026

𝐁𝐞𝐟𝐨𝐫𝐞 𝐘𝐨𝐮 𝐒𝐞𝐧𝐝 𝐓𝐡𝐚𝐭 𝐈𝐧𝐯𝐨𝐢𝐜𝐞… 𝐕𝐀𝐓 𝐨𝐫 𝐑𝐞𝐯𝐞𝐫𝐬𝐞 𝐂𝐡𝐚𝐫𝐠𝐞? 🏗️

Construction VAT rules can catch businesses out. Do you know when the domestic reverse charge applies?

𝐎𝐮𝐫 𝐧𝐞𝐰 𝐠𝐮𝐢𝐝𝐞 𝐞𝐱𝐩𝐥𝐚𝐢𝐧𝐬 𝐢𝐭 𝐬𝐢𝐦𝐩𝐥𝐲:
• When it applies
• How to invoice
• Cash-flow impact
• Common mistakes
Don’t guess on your next invoice.

𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐠𝐮𝐢𝐝𝐞: https://a2zaccounting.co.uk/the-vat-reverse-charge-for-construction-without-the-jargon/

𝐁𝐨𝐨𝐤 𝐚 𝐝𝐢𝐬𝐜𝐨𝐯𝐞𝐫𝐲 𝐜𝐚𝐥𝐥 𝐟𝐨𝐫 𝐡𝐞𝐥𝐩 𝐰𝐢𝐭𝐡 𝐕𝐀𝐓, 𝐂𝐈𝐒 𝐚𝐧𝐝 𝐛𝐨𝐨𝐤𝐤𝐞𝐞𝐩𝐢𝐧𝐠.

#𝐂𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧𝐔𝐊 #𝐕𝐀𝐓 #𝐂𝐈𝐒 #𝐂𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 #𝐔𝐊𝐂𝐨𝐧𝐭𝐫𝐚𝐜𝐭𝐨𝐫𝐬

12/09/2026

𝐀𝐫𝐞 𝐘𝐨𝐮 𝐚𝐧 𝐈𝐧𝐟𝐥𝐮𝐞𝐧𝐜𝐞𝐫 𝐑𝐮𝐧𝐧𝐢𝐧𝐠 𝐚 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬? 𝐊𝐞𝐞𝐩 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐨𝐧 𝐓𝐫𝐚𝐜𝐤 📊

Content creation can become a real business - with brand deals, affiliate income, advertising revenue and growing business expenses.
As your creator business grows, having the right financial setup becomes increasingly important.

𝐎𝐮𝐫 𝐠𝐮𝐢𝐝𝐞 𝐜𝐨𝐯𝐞𝐫𝐬 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐚𝐫𝐞𝐚𝐬 𝐬𝐮𝐜𝐡 𝐚𝐬:
• Understanding your creator business income
• Tracking business expenses
• Keeping better financial records
• Planning for your tax liabilities
• Understanding your business structure
• Preparing for growth

Whether you're a full-time creator or building your business alongside other work, good financial planning can help you stay organised and make better decisions.

Link: https://a2zaccounting.co.uk/influencer-tax-return-uk-a-step-by-step-guide/

𝐑𝐮𝐧𝐧𝐢𝐧𝐠 𝐚 𝐜𝐫𝐞𝐚𝐭𝐨𝐫 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬? 𝐆𝐞𝐭 𝐚𝐧 𝐢𝐧𝐬𝐭𝐚𝐧𝐭 𝐟𝐞𝐞 𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐞 𝐟𝐨𝐫 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐬𝐮𝐩𝐩𝐨𝐫𝐭.

02/09/2026

𝐒𝐞𝐥𝐥𝐢𝐧𝐠 𝐨𝐧 𝐞𝐁𝐚𝐲, 𝐄𝐭𝐬𝐲 𝐨𝐫 𝐕𝐢𝐧𝐭𝐞𝐝? 𝐓𝐡𝐞 £𝟏,𝟎𝟎𝟎 𝐟𝐢𝐠𝐮𝐫𝐞 𝐢𝐬𝐧'𝐭 𝐭𝐡𝐞 𝐰𝐡𝐨𝐥𝐞 𝐬𝐭𝐨𝐫𝐲.

There’s a big difference between:
👕 𝐒𝐞𝐥𝐥𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐨𝐥𝐝 𝐜𝐥𝐨𝐭𝐡𝐞𝐬
📦 𝐁𝐮𝐲𝐢𝐧𝐠 𝐬𝐭𝐨𝐜𝐤 𝐭𝐨 𝐫𝐞𝐬𝐞𝐥𝐥 𝐟𝐨𝐫 𝐩𝐫𝐨𝐟𝐢𝐭

Your 𝐠𝐫𝐨𝐬𝐬 𝐭𝐫𝐚𝐝𝐢𝐧𝐠 𝐢𝐧𝐜𝐨𝐦𝐞, allowable expenses and the reason you’re selling all matter when working out your tax position.

And if a platform reports your sales to HMRC, 𝐭𝐡𝐚𝐭 𝐝𝐨𝐞𝐬𝐧'𝐭 𝐚𝐮𝐭𝐨𝐦𝐚𝐭𝐢𝐜𝐚𝐥𝐥𝐲 𝐦𝐞𝐚𝐧 𝐲𝐨𝐮 𝐨𝐰𝐞 𝐭𝐚𝐱.

𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐠𝐮𝐢𝐝𝐞: https://a2zaccounting.co.uk/ebay-etsy-and-vinted-when-your-side-hustle-becomes-taxable/

27/08/2026

𝐁𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐡𝐢𝐫𝐞 𝐚𝐧 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐧𝐭 𝐢𝐧 𝐀𝐛𝐞𝐫𝐝𝐞𝐞𝐧, 𝐚𝐬𝐤 𝐭𝐡𝐞𝐬𝐞 𝟓 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬.

The cheapest accountant isn't always the best choice.

𝐀𝐬𝐤:
𝐖𝐡𝐚𝐭'𝐬 𝐲𝐨𝐮𝐫 𝐭𝐲𝐩𝐢𝐜𝐚𝐥 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐞 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐚𝐧 𝐞𝐦𝐚𝐢𝐥 𝐨𝐫 𝐚 𝐪𝐮𝐢𝐜𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧?
𝐇𝐨𝐰 𝐨𝐟𝐭𝐞𝐧 𝐰𝐢𝐥𝐥 𝐲𝐨𝐮 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐜𝐨𝐧𝐭𝐚𝐜𝐭 𝐦𝐞, 𝐧𝐨𝐭 𝐭𝐡𝐞 𝐨𝐭𝐡𝐞𝐫 𝐰𝐚𝐲 𝐫𝐨𝐮𝐧𝐝?
𝐈𝐬 𝐭𝐡𝐞 𝐟𝐞𝐞 𝐠𝐞𝐧𝐮𝐢𝐧𝐞𝐥𝐲 𝐟𝐢𝐱𝐞𝐝, 𝐞𝐯𝐞𝐧 𝐢𝐟 𝐦𝐲 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧 𝐠𝐞𝐭𝐬 𝐦𝐨𝐫𝐞 𝐜𝐨𝐦𝐩𝐥𝐞𝐱?
𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐰𝐨𝐫𝐤𝐞𝐝 𝐰𝐢𝐭𝐡 𝐚 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐥𝐢𝐤𝐞 𝐦𝐢𝐧𝐞 𝐛𝐞𝐟𝐨𝐫𝐞?
𝐇𝐨𝐰 𝐝𝐨 𝐈 𝐫𝐞𝐚𝐜𝐡 𝐲𝐨𝐮 𝐨𝐮𝐭𝐬𝐢𝐝𝐞 𝐚 𝐬𝐜𝐡𝐞𝐝𝐮𝐥𝐞𝐝 𝐦𝐞𝐞𝐭𝐢𝐧𝐠?

A good accountant should be part of your business, not just appear once a year at tax time.

Our latest guide explains 𝐰𝐡𝐚𝐭 𝐭𝐨 𝐚𝐬𝐤, 𝐰𝐡𝐚𝐭 𝐠𝐨𝐨𝐝 𝐚𝐧𝐬𝐰𝐞𝐫𝐬 𝐥𝐨𝐨𝐤 𝐥𝐢𝐤𝐞, 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐫𝐞𝐝 𝐟𝐥𝐚𝐠𝐬 𝐭𝐨 𝐰𝐚𝐭𝐜𝐡 𝐟𝐨𝐫.

𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐠𝐮𝐢𝐝𝐞 → https://a2zaccounting.co.uk/questions-to-ask-before-hiring-an-accountant

𝐆𝐞𝐭 𝐚𝐧 𝐢𝐧𝐬𝐭𝐚𝐧𝐭 𝐟𝐞𝐞 𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐞.

19/08/2026

𝐓𝐰𝐨 𝐝𝐞𝐧𝐭𝐚𝐥 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐞𝐬. 𝐒𝐢𝐦𝐢𝐥𝐚𝐫 𝐭𝐮𝐫𝐧𝐨𝐯𝐞𝐫. 𝐕𝐞𝐫𝐲 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐭𝐚𝐱 𝐛𝐢𝐥𝐥𝐬.

The difference can come down to one thing: 𝐰𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐮𝐩 𝐭𝐡𝐞 𝐢𝐧𝐜𝐨𝐦𝐞.

NHS and private income have different economics. Once you factor in lab costs, materials, associates and other delivery costs, the income mix can significantly change the profit your practice actually keeps.

Our latest guide explains how the NHS/private balance affects 𝐩𝐫𝐨𝐟𝐢𝐭, 𝐭𝐚𝐱𝐚𝐛𝐥𝐞 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐭𝐚𝐱 𝐩𝐢𝐜𝐭𝐮𝐫𝐞 and how practice owners can improve the balance without simply working longer hours.

𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐠𝐮𝐢𝐝𝐞: https://a2zaccounting.co.uk/nhs-vs-private-dental-income/

12/08/2026

𝐘𝐨𝐮𝐫 𝐩𝐡𝐚𝐫𝐦𝐚𝐜𝐲 𝐦𝐚𝐲 𝐛𝐞 𝐛𝐮𝐬𝐲. 𝐁𝐮𝐭 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐡𝐞𝐚𝐥𝐭𝐡𝐲?

Many pharmacy owners monitor dispensing volume every day, yet the biggest opportunities often sit in the financial figures reviewed only once a year.

𝐎𝐮𝐫 𝐥𝐚𝐭𝐞𝐬𝐭 𝐠𝐮𝐢𝐝𝐞 𝐞𝐱𝐩𝐥𝐚𝐢𝐧𝐬 𝐭𝐡𝐞 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐭𝐡𝐚𝐭 𝐦𝐚𝐭𝐭𝐞𝐫 𝐦𝐨𝐬𝐭, 𝐢𝐧𝐜𝐥𝐮𝐝𝐢𝐧𝐠:
• NHS vs private income
• Retained buying margin
• Stock turnover and cash tied up in inventory
• Staff costs as a percentage of income
• NHS service payment thresholds

Small monthly trends can become significant financial gaps if they're left unchecked.

𝐑𝐞𝐚𝐝 𝐨𝐮𝐫 𝐥𝐚𝐭𝐞𝐬𝐭 𝐠𝐮𝐢𝐝𝐞:
https://a2zaccounting.co.uk/the-numbers-behind-a-healthy-pharmacy/

𝐍𝐞𝐞𝐝 𝐬𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭 𝐩𝐡𝐚𝐫𝐦𝐚𝐜𝐲 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐚𝐝𝐯𝐢𝐜𝐞? 𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐀𝟐𝐙 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐭𝐨𝐝𝐚𝐲.

06/08/2026

03/08/2026

𝐇𝐚𝐬 𝐂𝐈𝐒 𝐛𝐞𝐞𝐧 𝐝𝐞𝐝𝐮𝐜𝐭𝐞𝐝 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬? 𝐘𝐨𝐮 𝐦𝐚𝐲 𝐛𝐞 𝐝𝐮𝐞 𝐦𝐨𝐧𝐞𝐲 𝐛𝐚𝐜𝐤.

For many subcontractors, the 20% CIS deduction is higher than their final tax liability because it is taken before allowable business expenses and the final tax calculation are considered.

𝐎𝐮𝐫 𝐥𝐚𝐭𝐞𝐬𝐭 𝐠𝐮𝐢𝐝𝐞 𝐞𝐱𝐩𝐥𝐚𝐢𝐧𝐬:
• Why CIS refunds arise
• How a refund is actually calculated
• Which legitimate expenses can increase a claim
• What documents you'll need
• How to check whether you've under-claimed

We also walk through a realistic 𝐂𝐈𝐒 𝐫𝐞𝐟𝐮𝐧𝐝 calculation so you can see where the money comes from.

𝐓𝐡𝐢𝐧𝐤 𝐲𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐨𝐰𝐞𝐝 𝐚 𝐂𝐈𝐒 𝐭𝐚𝐱 𝐫𝐞𝐟𝐮𝐧𝐝? 𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐠𝐮𝐢𝐝𝐞 𝐚𝐧𝐝 𝐠𝐞𝐭 𝐚𝐧 𝐢𝐧𝐬𝐭𝐚𝐧𝐭 𝐟𝐞𝐞 𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐞.

𝐋𝐢𝐧𝐤: https://a2zaccounting.co.uk/cis-refunds-the-money-most-subcontractors-leave-with-hmrc/

31/07/2026

Something is changing in how we look after our clients. Not our people. Our power.

AI isn't replacing your accountant. It's standing behind them, clearing the routine work so their attention goes where it should: to you.

Same team you know and trust. More time for your business. Clearer answers, sooner. Insight once kept for far larger companies.

More human judgement, not less. The same people, with more power behind them.

That's the firm we're building, and you're the reason.