If you’re looking to leave your business in the next 5 years, the time to start planning is now. In your process of working towards this, ask yourself what is your goal? What’s your number? Is it enough to buy a home? A holiday? A retirement fund? Whatever it may be, your next step is figu...

For many of our clients, business is at the very heart of everything that they do and this was certainly the case with David. In his mid-50s and the owner of a medium-sized business, David has spent his career putting his business at the forefront of his priorities – including his finance...

HMRC has announced that from April 1st, all VAT-registered businesses must keep all records and returns online. Although we’ve spoken about what this can mean for business, what does it mean for you and how can you embrace the forthcoming digital finance changes? It may be tempting to shy...

From April 1st, all VAT-registered businesses must keep all of their VAT records online with quarterly VAT returns through Making Tax Digital (MTD) Compatible Software. This is the first in a range of similar changes that are expected to continue into 2020. These changes have been introduc...

Reviewing your finances can seem both daunting and somewhat redundant. If you know that you’re comfortable, that you have previously managed money effectively and that all your necessary bills have been paid, why commit the time and effort to something that may be fruitless? We believe th...

The coming weeks are crucial not only for us, as a country, preparing for Brexit but for the end of the tax year, too. Brexit is still uncertain and the results and actions towards them are completely out of our hands. However, although you may feel that it is much the same for your person...

Nothing flies by us quicker than a tax year. We celebrate Christmas and New Year and all of a sudden, it’s time for the tax deadline rush. For many people, this rush is considered to be an inevitability, just a painful, costly part of running a business. It’s become something of a routine ...

Planning for your financial future has never been simpler Less than half (39 per cent) of 25-39 year olds in Scotland consider putting money into a pension ‘important’. This isn’t surprising – when it comes to saving for our pensions, we tend to stick our heads in the sand, worried it’s a...

So, my best friend trusts me enough to get in a plane I am flying and I trust him enough to ask him to be a Godparent to one of my kids. So why would I think twice about signing a bit of paper that protects his future, his family as well as my own? Is it because I trust him too much? Is i...