A4G Chartered Accountants

14/10/2026

Have you ever noticed how one person's attitude can change the feel of an entire team?

There's usually someone who gets things done without being asked, helps colleagues when they're struggling and looks for solutions rather than excuses.

But the opposite is true, too. When people regularly miss deadlines or avoid responsibility, those behaviours can spread if nobody addresses them.

So, what can you do about it?

Start by making sure everyone knows what's expected of them. Give people the training and support they need, make time for regular conversations about how things are going, and recognise the behaviours you want to see more of.

You don't need a team full of superstars. You need people who understand their responsibilities, take ownership and work together.

We've explored this in our latest article, inspired by the role of the stroke in a rowing crew.
Who is setting the pace in your business?

Read the full article here:

Discover how team behaviours, clear expectations and better management can improve performance and accountability.

13/10/2026

Your mortgage rate is going up. But what does that mean for your business?

If your fixed-rate deal is ending, don't just look at the new monthly payment

For a business owner, an extra £500 a month personally could mean needing to take considerably more than £500 from the company once tax is considered

And that's before you think about VAT, PAYE, Corporation Tax, investment and working capital

The mortgage decision is also a cash flow decision.

We've looked at what business owners and landlords should be thinking about as borrowing costs change.

Read the full article 👉 https://www.a4g-llp.co.uk/blog/mortgage-rates-are-rising-fast-what-should-you-do-now

12/10/2026

“We’re profitable and growing, so I think we’re in a pretty good position.”

That’s something we hear often, and on the surface, it may be true

But when you start asking a few more questions, a different picture can emerge…

What happens when you go on holiday?
How much of the business still depends on you?
Could you cope if you lost a key customer?
When did you last review your shareholder agreement, contracts or insurance?

None of these things feel urgent when everything is going well. But when something changes, they can quickly become expensive problems.

On 4th November, we’re bringing together A4G, Loch, Heath Protection and The Finance Hub to look at 5 common pitfalls we see in SMEs. And more importantly, what you can do about them.

📍 Belgravia, London
📅 Wednesday 4 November
⏰ 8.30am

We’ll add the booking link in the comments.

07/10/2026

100 applicants but still no one to hire?

You’ve got a pile of CVs, the job titles look right, the qualifications are there, some candidates interview well, and yet, you’re still thinking…

“Will this person actually solve the problem we’re trying to fix?”

That’s where Moneyball has an interesting lesson for business owners

The Oakland Athletics couldn’t compete with the biggest baseball teams on budget, so they stopped looking for the players everyone else thought they should want.

Instead, they looked more closely at the evidence of what actually contributed to winning and looked at the players everyone else overlooked

Recruitment is similar. Before you post that job advert again, ask yourself

“What do I actually need this person to achieve?” and “What should be different in six moths after they join?”

Read the full article -> https://www.a4g-llp.co.uk/blog/100-applicants-but-still-no-one-to-hire-what-moneyball-can-teach-business-owners

01/10/2026

She did it! Huge congratulations to Kyra! 🎉

Today we had a celebratory lunch in the office for Kyra, who has officially passed her final exams and is now a qualified Chartered Accountant! 👏🥂

Anyone who knows Kyra will know just how well deserved this is. She has worked incredibly hard to get here, balancing her studies and exams alongside looking after her clients and being such a valued part of the A4G team.

Kyra joined us straight from school, and it’s been a real pleasure to watch her grow and develop throughout her time with us and now achieve her Chartered status.

Congratulations, Kyra! ❤️

24/09/2026

Should you actually do anything before the Autumn Budget?

For most people, the answer may well be no.

We certainly wouldn't recommend making a significant financial decision purely because of a Budget rumour. But if you were already thinking about selling your business, restructuring ownership, making a significant pension contribution, passing shares to your family or selling a major asset, that's slightly different.

It may be worth understanding where you stand under today's rules.

Then, if something does change on 28 October, you already know your options rather than having to make a decision in a rush.

We've looked at the main Budget rumours and what we think business owners should genuinely be paying attention to here:

https://www.a4g-llp.co.uk/blog/autumn-budget-2026-predictions

And, of course, if something in there affects plans you're already considering, speak to your A4G adviser.

Autumn Budget 2026 predictions and rumours: what could change for business owners, what looks most likely and what you can do now to prepare.

24/09/2026

Your business has grown. Has your free time?

More customers often bring more work, more questions and more decisions. Before you know it, everything still comes back to you, there’s just more of it.

It’s worth stepping back and asking: what needs to change for the business to grow without taking up even more of your life?

Better systems, clearer responsibilities and the right technology can all play a part. Start by working out where you’re needed most, and where you don’t need to be involved.

We explore this in our latest article, with one question to get you thinking:

If you started your business today, would you build it in the same way?

18/09/2026

As the Accounting Excellence Awards get closer, a quick thank you.

Being shortlisted for Employer of the Year isn't down to one person or one initiative. It's the result of 30 years of choosing to build careers rather than just fill roles, and a team that's stuck with us because of it.

Whatever happens on the night, that's something to be proud of.

16/09/2026

The Autumn Budget is on 28 October, which means we're entering that familiar period where a new tax rumour seems to appear every few days.

Some will turn out to be true. Plenty won't.

We've gone through the main rumours and put together our view on what we think looks more likely, what looks less likely and, most importantly, what could actually matter to business owners.

We're watching Capital Gains Tax particularly closely, alongside business rates, property, pensions, IHT and frozen tax thresholds.

We've also looked at some of the more dramatic suggestions, including a standalone wealth tax, and whether we think they're really likely to happen.

Have a read and see whether you agree with us 👇
https://www.a4g-llp.co.uk/blog/autumn-budget-2026-predictions

We'll find out how good our predictions were on 28 October!

10/09/2026

Remember when a trip to the high street meant booking your holiday at the travel agent and sorting your cover at the insurance broker?

A lot has changed and AI is giving business owners another reason to stop and think about what comes next.

But here’s a question that matters just as much: does your business still work for YOU?

It might have grown. You might have more customers and a bigger team. But are you getting the income, time and freedom you hoped for?

Our latest article looks at how to move with the times and build a business that works better for you.

Have a read: https://www.a4g-llp.co.uk/blog/could-ai-change-the-way-your-business-works