Culverhouse & Co.

19/10/2026

If you're running a successful business, paying tax is naturally part of the deal.

But that doesn't mean you should wait until the bill arrives to find out what you're going to owe. 𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 𝗰𝗮𝗻 𝗴𝗶𝘃𝗲 𝘆𝗼𝘂 𝗮 𝗺𝘂𝗰𝗵 𝗰𝗹𝗲𝗮𝗿𝗲𝗿 𝗽𝗶𝗰𝘁𝘂𝗿𝗲 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗹𝗶𝗸𝗲𝗹𝘆 𝘁𝗮𝘅 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻, 𝗮𝗻𝗱 𝗺𝗼𝗿𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗰𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗱𝗼 𝗮𝗯𝗼𝘂𝘁 𝗶𝘁.

Get in touch for a completely free, no-obligation conversation about how we can help you and your business: https://www.culverhouse-accountants.co.uk/contact

17/10/2026

𝗛𝗼𝘄 𝗢𝗳𝘁𝗲𝗻 𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗥𝗲𝘃𝗶𝗲𝘄 𝗠𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻?

Creating a financial plan is an important first step - but it's not something you should file away and forget.

Life changes, markets change and tax rules change. That's why many people ask, "How often should I review my financial plan?"

For most people, reviewing your finances at least once a year is a sensible starting point. However, there are times when you may benefit from reviewing your plan sooner 👍

Review your finances: https://www.culverhouse-accountants.co.uk/post/how-often-should-i-review-my-financial-plan

How often should you review your financial plan? Learn why regular financial reviews are important and when you should speak to a financial adviser.

16/10/2026

𝗖𝗲𝗿𝘁𝗮𝗶𝗻 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 - 𝘁𝗮𝗸𝗶𝗻𝗴 𝗼𝗻 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲, 𝗯𝘂𝘆𝗶𝗻𝗴 𝗻𝗲𝘄 𝗲𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁, 𝗺𝗼𝘃𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗯𝗶𝗴𝗴𝗲𝗿 𝗽𝗿𝗲𝗺𝗶𝘀𝗲𝘀 - 𝗺𝗶𝗴𝗵𝘁 𝗺𝗮𝗸𝗲 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝘀𝗲𝗻𝘀𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, 𝗯𝘂𝘁 𝗰𝗮𝗻 𝘆𝗼𝘂 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗵𝗲𝗺?

Looking at the numbers before making a big commitment can help you understand the impact on your cash flow and whether the business can comfortably support the additional cost - even six months from now.

Have any questions about cash flow and business finances? We offer a completely free, no-obligation conversation!

Get in touch with us here: https://www.culverhouse-accountants.co.uk/contact

14/10/2026

𝗗𝗼 𝗜 𝗡𝗲𝗲𝗱 𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗲𝗿? 𝟳 𝗦𝗶𝗴𝗻𝘀 𝗜𝘁'𝘀 𝗧𝗶𝗺𝗲 𝘁𝗼 𝗚𝗲𝘁 𝗘𝘅𝗽𝗲𝗿𝘁 𝗔𝗱𝘃𝗶𝗰𝗲

Many people assume financial advice is only for the very wealthy. In reality, a financial adviser can add value at every stage of life, whether you're building wealth, planning for retirement or protecting your family's future ☑️

So, do you need a financial adviser? If any of the situations in our blog sound familiar, it may be time to seek professional advice.

Find out more: https://www.culverhouse-accountants.co.uk/post/how-to-choose-a-financial-adviser-7-things-to-look-for

Learn how to choose a financial adviser with confidence. Discover the key qualities to look for, the questions to ask and why independent advice matters.

12/10/2026

You can have a profitable business and still find yourself worrying about cash flow.

You may be wondering why that is, and the answer is: profit and cash are not the same thing.

You might have money tied up in unpaid invoices, stock or upcoming expenses. If you don't keep an eye on your cash flow, a profitable business can still find itself under pressure. Understanding what's coming in, what's going out, and when is just as important as knowing your profit.

Have any questions about cash flow and business finances? We offer a completely free, no-obligation conversation!

Get in touch with us here: https://www.culverhouse-accountants.co.uk/contact

11/10/2026

𝗛𝗼𝘄 𝗔𝗿𝗲 𝗣𝗲𝗼𝗽𝗹𝗲 𝗨𝘀𝗶𝗻𝗴 𝗧𝗵𝗲𝗶𝗿 𝗣𝗲𝗻𝘀𝗶𝗼𝗻𝘀 𝗶𝗻 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁? 𝗪𝗵𝗮𝘁 𝘁𝗵𝗲 𝗟𝗮𝘁𝗲𝘀𝘁 𝗙𝗖𝗔 𝗗𝗮𝘁𝗮 𝗧𝗲𝗹𝗹𝘀 𝗨𝘀 (𝟮𝟬𝟮𝟲)

Retirement is no longer simply a case of taking your pension and buying an annuity. Today, people have more choice over how and when they use their pension savings.

The latest FCA Retirement Income Market Data for 2025/26 gives us a useful picture of what people are actually doing when they start accessing their pensions, and the numbers show just how important retirement income planning has become.

Find out more: https://www.culverhouse-accountants.co.uk/post/how-are-people-using-their-pensions-in-retirement-what-the-latest-fca-data-tells-us-2026

How are people using their pensions in retirement? We look at the latest FCA data on drawdown, annuities, withdrawals and pension advice.

08/10/2026

𝗬𝗼𝘂 𝗱𝗼𝗻'𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗮𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 𝘁𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲𝘀𝗲, 𝗯𝘂𝘁 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲𝘆'𝗿𝗲 𝘁𝗲𝗹𝗹𝗶𝗻𝗴 𝘆𝗼𝘂. There's a big difference between knowing your numbers and actually understanding them.

1. Turnover
How much money is coming into the business?

2. Gross profit
How much are you actually making from what you sell?

3. Net profit
What's left after all your business costs?

4. Cash
How much money is actually available?

5. Tax
What are you likely to owe, and when?

If your turnover is growing but your profit isn't, that's worth looking into. If you're making a profit but always seem short of cash, that's worth looking into too. And if your tax bill comes as a surprise every year, it's probably time to start looking at that before the bill arrives.

That's where a good accountant should earn their keep: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

07/10/2026

𝗟𝗮𝘁𝗲𝗿 𝗟𝗶𝗳𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗼𝗿 𝗖𝗮𝗿𝗲 𝗖𝗼𝘀𝘁𝘀: 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲

Most of us hope to enjoy a long, healthy retirement. However, it's also important to consider what would happen if you or a loved one needed long-term care in later life.

While no one likes to think about needing care, planning ahead can help you make informed decisions, protect your finances, and give you greater choice should the need arise.

Find out more: https://www.culverhouse-accountants.co.uk/post/later-life-planning-for-care-costs-how-to-prepare-for-the-future

Learn why later life planning for care costs is important. Discover how early planning can help protect your finances and give you more choice in later life.

06/10/2026

A business can be bringing in more money than ever and still not be making as much profit as it should.

Maybe costs have gone up, your margins have slipped, or you're doing more work for less return. Or perhaps the money is there on paper, but you're constantly worrying about cash.

That's why looking at the numbers properly matters. Your accountant should help you understand profit and, more importantly, what you can do about it: https://www.culverhouse-accountants.co.uk/accountants-in-bromley

05/10/2026

𝗪𝗶𝗹𝗹 𝗔𝗜 𝗥𝗲𝗽𝗹𝗮𝗰𝗲 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁𝘀? 𝗪𝗵𝘆 𝗛𝘂𝗺𝗮𝗻 𝗘𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 𝗦𝘁𝗶𝗹𝗹 𝗠𝗮𝘁𝘁𝗲𝗿𝘀

AI seems to be changing the way we work across many sectors, and accountancy is no exception.

So, will AI replace accountants? The straight-forward answer is: absolutely not. AI can process information, identify patterns and automate repetitive tasks. But when it comes to your finances, there is much more involved than simply processing numbers.

Read more on our blog: https://www.culverhouse-accountants.co.uk/post/will-ai-replace-accountants-why-human-expertise-still-matters

Will AI replace accountants? We explain why AI can automate routine tasks, but professional judgement, expertise and trusted advice still matter.