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Financial People A one-stop shop providing tax, accountancy, bookkeeping, payroll and mortgage services.

Nominated as Fractional CFO of the Year. Whatever the envelope says later, being in this room, alongside the best in the...
29/09/2026

Nominated as Fractional CFO of the Year. Whatever the envelope says later, being in this room, alongside the best in the profession, is the win worth marking.

Every client who trusted us with their numbers, every referral, every late-night email answered, this seat is yours too.

Money talks. Wealth whispers.

⚠️ This post is for general information purposes only and does not constitute tax advice. Everyone’s circumstances are different. Please seek professional advice tailored to your individual situation before taking any action.

18/09/2026

Your accountant says you had a great year.
So why are you borrowing to pay the VAT?

The answer is in the video.

Wednesday 23rd September. 12pm. Free. 60 minutes.

“What They Never Taught You About Your Business Finances”

Three myths busted live. One attendee’s challenge diagnosed live. A free KPI dashboard for everyone who stays.

DM me your biggest financial challenge. First reply gets the spotlight.

30 places. Link in bio.

⚠️ This post is for general information purposes only and does not constitute tax advice. Everyone’s circumstances are different. Please seek professional advice tailored to your individual situation before taking any action.

In business or life when you really need help, the SOS number is never as easy to find as it should be.Here is the thing...
07/07/2026

In business or life when you really need help, the SOS number is never as easy to find as it should be.

Here is the thing. I am good at what I do, but when I am too close to my own problem, I cna’t always see the way out. It takes a friend, a fresh voice, to make it clear again.

Business is the same. You are so deep in it that you miss what someone else spots in minutes.

Ask for help when you need clarity. That is strength, not weakness.

Most people think the risk with AI is hallucinations and incorrect answers.It isn’t. A wrong answer is easy to catch. Yo...
06/07/2026

Most people think the risk with AI is hallucinations and incorrect answers.

It isn’t. A wrong answer is easy to catch. You read it, and something feels off.

The real risk is the answer that looks complete but quietly leaves something crucial out. The relief you never claimed. The residency point nobody raised. You can’t check work you don’t understand, and you can’t see a gap you never knew existed. That is the unknown unknown, and this is where money leaks and opportunity is lost.

This part comes from years of experience. Not from reading the answer, but from knowing which questions to ask before it costs you. When I look at clients’ numbers, the letters after my name matter less than the instinct built over decades of doing this. Spotting the thing that isn’t on the page, then using it to keep more in your pocket.

That is the whole job. Turning what I know into something that works in your favour, quietly, before it becomes a problem.

So use AI for the first draft. It is a good start. Just don’t let it be the last word on your money.

If your numbers are running on AI and a bit of hope, I’m happy to look at what it might be missing.

Some days are good days, and some days are long days.Today was one of those long ones.It started with a three-hour drive...
02/07/2026

Some days are good days, and some days are long days.

Today was one of those long ones.

It started with a three-hour drive at snail’s pace through morning rush-hour traffic. Then came a leak in the ceiling, disruption to the day, calls to make, things to fix, and plans that suddenly had to change.

But that is life. And, in many ways, that is entrepreneurship.

Not every day goes to plan. Some days test your patience more than your strategy. Some days remind you that staying calm is just as important as staying ambitious.

I do not believe there are truly bad days. There are difficult days, inconvenient days, expensive days, and testing days. But each one teaches you something.

So you deal with it, stay calm, keep perspective, and carry on.

Tomorrow is another day, and usually, a better one.

I have spent 20 years helping business owners understand their numbers and keep more of what they earn.Now I am trying s...
30/06/2026

I have spent 20 years helping business owners understand their numbers and keep more of what they earn.
Now I am trying something new. My first ever live webinar. Please be kind.
Monday 20th July. 2:30pm. Free. 75 minutes.
“What They Never Taught You About Your Business Finances”
No jargon. No accounting theory. Just the stuff that actually matters.
How to read your numbers like a CEO. Why profitable businesses still run out of cash. And what to do about it.
For ambitious entrepreneurs and business owners turning over GBP120k or more who know they should understand their finances better but never had anyone explain it properly.
30 seats. Link in bio to register.
Fractional CFO of the Year finalist 2026.

27/03/2026

Most company owners pay themselves a salary and stop there. There is a smarter way.
A small salary around £12,570 keeps you within your personal allowance, maintains your NI record, and gets Corporation Tax relief. Take the rest as dividends at 10.75%, with no NI on top.
Bring in your spouse, civil partner, or adult children as shareholders and you can shelter even more. If your children genuinely work in the business, pay them a salary too. Legitimate, tax-efficient, and fully above board.
Same income. Less tax. Right structure.
DM me and let’s talk. 👇

⚠️ This post is for general information purposes only and does not constitute tax advice. Everyone’s circumstances are different. Please seek professional advice tailored to your individual situation before taking any action.




26/03/2026

The biggest change to Self Assessment in decades is here. Not coming. Here.
From 6 April 2026, if you’re self-employed or a landlord earning over £50,000 gross, the annual tax return you’ve always known is being replaced. You’ll now report to HMRC quarterly, four updates a year, plus a final declaration. Five submissions instead of one.
And the threshold doesn’t stop there. It drops to £30,000 in April 2027 and £20,000 in April 2028. This will affect almost every sole trader and landlord in the UK within the next two years.
Here’s what you need to do right now:
✅ Check your 2024/25 gross income, that’s what determines whether you’re in scope from April 2026
✅ Get MTD-compatible software in place as a standard spreadsheet won’t cut it
✅ Start keeping digital records of every transaction from 6 April
✅ Know your quarterly deadlines, miss them and the points-based penalty system kicks in automatically
The good news? If you’re already using FreeAgent or QuickBooks, you’re most of the way there. We’re a partner firm for both, so whether you need help getting set up or want someone to handle your quarterly submissions, we’ve got you covered.
DM me and let’s get you MTD-ready before it becomes a problem. 👇

⚠️ This post is for general information purposes only and does not constitute tax advice. Everyone’s circumstances are different. Please seek professional advice tailored to your individual situation before taking any action.





24/03/2026

5th April is less than two weeks away. After that, these allowances are gone for good.
Here are 5 things worth checking before the tax year closes:
1️⃣ Personal allowance: if you haven’t used your £12,570, a dividend before 5 April could shelter it from tax entirely.
2️⃣ Earning over £100,000? a pension contribution before 5 April could recover your personal allowance and save you thousands.
3️⃣ ISA allowance: £20,000, tax-free, use it or lose it. Cash ISA rules are also changing from April 2027, so now is the time.
4️⃣ Company owners: dividend tax rates rise on 6 April. Paying now saves £20 per £1,000. Simple.
5️⃣ Pension carry forward: unused allowance from 2022/23 disappears permanently after 5 April. Check it before it’s gone.
These aren’t complicated moves. They’re just easy to put off, until the deadline passes and it’s too late.
The information shared is for education purposes only. DM me or a professional tax advisor if you want to talk through what applies to your situation before 5 April.


23/03/2026

🚨 HMRC wants to know MORE about your company’s finances — and you have until 10 June 2026 to have your say.
HMRC has launched a consultation proposing that small limited companies report ALL transactions between the company and its shareholders/directors directly to HMRC. We’re talking loans, dividends, cash withdrawals, asset transfers — everything.
This affects most small and family-owned limited companies in the UK. 👇
What’s being proposed?
✅ Mandatory reporting of director’s loan accounts
✅ Details of dividends and distributions
✅ Cash and asset transfers between company and shareholders
✅ Potential new penalties for non-compliance
Key dates:
📅 Consultation opened: 19 March 2026
⏰ Deadline to respond: 10 June 2026
Your voice matters. This is your chance to tell HMRC what’s realistic for small businesses before the rules are set.
📋 Read the full consultation: gov.uk/government/consultations/reporting-company-payments-to-participators
📝 Submit your response here: forms.office.com (link in bio)
📧 Questions? Email HMRC directly: [email protected]
If you’re a limited company director and you’re not sure how this affects you — drop me a message. 💬

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