Financial People

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. 💬

20/03/2026

Struggling to pay bills, staff, and suppliers every month?
It’s not always a revenue problem. More often than not, it’s a systems problem.
Without a clear view of your incomings, outgoings, and a proper budget in place you’re reacting to your finances instead of controlling them. And that cycle is exhausting.
The fix isn’t complicated. But it does require the right tools and the right mindset.
We’re a FreeAgent and QuickBooks partner firm, we help small businesses get their cash flow under control and keep it there.
DM me, let’s talk. 👇

20/03/2026

HMRC doesn't tax your income. It taxes your lifestyle.
Every pound you withdraw from your business gets taxed on top of what you've already paid. The solution? Stop withdrawing more than you need.
I still drive a 20-year-old Toyota. No apology for that. Delayed gratification is the most underrated wealth-building tool an entrepreneur has, and it's completely free.
That discipline has let me reinvest my profits, grow my business, and launch new ones. The wealth is being built just being built smartly.
Your business is your greatest asset. Leave money in it. Let it work for you.
DM me and let's arrange a call. 👇

18/03/2026

Your business is your greatest asset and with the right financial strategy, it can build real, lasting wealth for you and the next generation.
Great accountancy goes way beyond tax returns. It’s about understanding your numbers, making smarter decisions, and keeping more of what you earn all while staying fully compliant with HMRC.
I work with ambitious entrepreneurs who are serious about growth and ready to use their business as a vehicle for generational wealth.
If that sounds like you — my DM is open. 👇

18/03/2026

17/03/2026

Most people think wealth is about numbers. It's not.
It's about mindset, strategy, and legacy.
I'm Tajinder , an investor, tax adviser, and Chartered Management Accountant. I founded Financial People to help small and family businesses do one thing: keep more of what they earn and build something that lasts generations.
We minimise your taxes. We guide your investments. We help you see the bigger picture.
Based in UK 🇬🇧 India 🇮🇳 UAE 🇦🇪
If you're ready to grow, protect, and pass on your wealth. Let's talk.

16/03/2026

You’re paying more tax than you legally have to. 💷
One of my clients saved £75,000 in corporation tax last year money they used to buy a warehouse for their business.
There are perfectly legal reliefs most business owners don’t even know exist.
The problem? Too many advisers who only see their piece of the puzzle. Nobody’s looking at the full picture.
Tax. Property. Finance. Cash flow. Generational wealth is built when all of these work together.
30+ years helping small and family businesses keep more of what they earn.
👇 Ready to find out how much you could save?
Follow for weekly tax and wealth tips, and DM me the word WEALTH to book a free discovery call.

02/03/2026

You’re paying more tax than you legally have to. 💷
One of my clients saved £75,000 in corporation tax last year money they used to buy a warehouse for their business.
There are perfectly legal reliefs most business owners don’t even know exist.
The problem? Too many advisers who only see their piece of the puzzle. Nobody’s looking at the full picture.
Tax. Property. Finance. Cash flow. Generational wealth is built when all of these work together.
30+ years helping small and family businesses keep more of what they earn.
👇 Ready to find out how much you could save?
Follow for weekly tax and wealth tips, and DM me the word WEALTH to book a free discovery call.

15/08/2025

Grow your potential register for networking event in London next week Wednesday. RSVP https://www.meetup.com/entrepreneur-networking-and-meetups/events/310392841