Do I Need Income Protection Insurance?

Do I Need Income Protection Insurance?

Self-employment used to be rarity in the traditional world of lifetime employment. However, long before the gig economy was recognised as a phenomenon, the structure and experience of the UK workforce was changing. Certain professions have always been built on the...
Everyone Will Be Self-Employed In The Future

Everyone Will Be Self-Employed In The Future

We may be looking at a future where, in order to have a job at all, you have to be self employed. This has vast consequences, for our tax system, our laws and many of our social and commercial structures. Many former employees are now gladly embracing self-employment....
Annuity or pension drawdown?

Annuity or pension drawdown?

The new pension freedom reforms give anyone who isn’t a member of a Defined Benefit Scheme, more flexibility in spending, saving and investing their pension pots. Previously, you had little choice but to buy an annuity. The problem here, as everyone knows, is that...
Employers to publish what they pay men and woman

Employers to publish what they pay men and woman

New legislation will mean large employers with more than 250 employees will have to publish what they pay men and woman. Fines for non-compliance could be as high as £5000. Then there is the potential reputational damage. But there is hope more forward thinking...
Pension Fraud Increase

Pension Fraud Increase

From April 6, the over 55s can withdraw pensions savings and do as they please with the money. But pensions experts are keen to point out the new flexibility brings opportunities too: for fraudsters. The Government acknowledges the risks. It emphasises the importance...
Employed v Self Employed

Employed v Self Employed

Many of our clients are self employed but not all. You may think the grass is greener on the other side. Whether you are currently working for yourself or an employer each has pros and cons. It’s also important to mention they are not mutually exclusive and neither is...