Tax Times With HMRC

The run-up to the end of the tax year provides ‘use it or lose it’ opportunities to help secure your financial future and pay less tax on the inheritance you leave to loved ones.

Over a decade since the financial crisis, the world is still a very uncertain place. Despite this, investors have enjoyed the benefits of a strong run by stock markets around the world, coupled with record-low volatility.1

However, it would be wrong to believe that market shocks are a thing of the past. From uncertainty over Brexit to the threat from North Korea, there are many risks that pose a challenge to investors now; and any number of unforeseen factors in the years to come.

But these are beyond our control; they cannot be allowed to prevent us from planning our financial futures. Indeed, we will give ourselves the best chance of achieving our financial goals if we focus on what we can control: how and where we invest our money, how much tax we pay, the size of our retirement fund, and how much of our estate passes to our family free of Inheritance Tax (IHT).

Effective financial planning should be a year-round activity. Nevertheless, the months of January, February and March provide us with an ideal opportunity to use reliefs and allowances that would otherwise be lost. These valuable tax breaks can help to create long-term financial security for ourselves and our family.


Make the most of the increased allowance

ISAs have become one of the most popular ways to save, principally because they are simple and readily accessible.

The substantial increase in the ISA allowance to £20,000 for this tax year was a very welcome step in encouraging individuals to invest for their future. However, as interest rates in the UK remain near record lows, money being held in Cash ISAs is failing to achieve the very basic objective of keeping pace with inflation. The result is real losses for savers.

Those who are investing their ISA allowance for the long term – in assets offering the scope for attractive levels of income and capital growth – are giving themselves a better chance of maximising the tax-saving opportunities on offer.

As the end of the tax year approaches, individuals yet to use their ISA allowance, or with accumulated ISA savings, need to carefully consider their options to ensure that they are maximising this valuable opportunity to generate tax-efficient capital and income for the future.


Maximise your annual allowance

Saving into a pension is even more attractive than it was a few years ago. This is because the money can be taken in a variety of ways and it can be more easily left as part of a tax-free inheritance. However, the advantages extend beyond drawing money and passing it on to loved ones; the government still rewards savers by providing them with tax relief on their pension contributions.

For every 80p you contribute to a pension, the government automatically adds 20p in tax relief. Higher earners can claim extra tax relief through their annual tax return, meaning that a £1 pension contribution can effectively cost just 60p.

While tax relief is seen as a means to encourage pension saving, the annual cost to the Exchequer of providing it has now passed £50 billion2. With the government under increasing pressure to reduce public spending, there’s no guarantee that the higher rates of tax relief will be maintained into the future.

Those wishing for a better chance of making their retirement plans a reality should consider fully utilising their annual allowance for this tax year to make the most of the tax breaks on offer. Unused allowances can be carried forward, but only from the three previous tax years.This year is the final chance for pension savers to use the allowance that was in place in 2014/15. If it is not used by 5 April 2018, it will be lost forever.

Inheritance Tax

Don’t waste your gifting opportunities

There are few more confusing – or unpopular – taxes than Inheritance Tax (IHT). But continued confusion and inertia means that HM Treasury can expect to see a 25% increase in IHT revenues over the next five years.3

However, there are a number of exemptions that allow individuals to reduce future bills. Perhaps the best known is the annual gifting allowance. This gives individuals the opportunity to remove £3,000 of assets from their estate immediately (£6,000 if they use the previous year’s unused allowance as well).

Taking steps to reduce your taxable estate by topping up a child’s pension or Junior ISA could go a long way to providing them with an invaluable head start in life. Nevertheless, with the end of the 2017/18 tax year looming, you only have a short amount of time to make this year’s £3,000 gifting allowance count – and to carry forward last year’s, if you haven’t used it already.

It’s a time of the year when individuals and couples are given an opportunity to put their long-term plans back on track by using reliefs and allowances that would be otherwise lost.
Nevertheless, legitimately protecting wealth from HMRC requires some knowledge and expertise to do it effectively. That’s why you should speak with a financial adviser to better understand how you can get maximum advantage for this year and the years to come.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested.

An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a Cash ISA. The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

1 CBOE Volatility Index (^VIX), accessed 18 January 2018

Personal Pensions Statistics, HM Revenue and Customs, September 2017

3 Office for Budget Responsibility, March 2017

Cash Call Financial Management

Will ISA savers continue to turn away from cash as the impact of low returns and tax changes becomes clearer?

In the tax year 2015/16, over £58 billion was deposited into Cash ISAs: last year that figure fell by a staggering 33%.¹ Will the traditional rush to use ISA allowances before the end of this tax year see this trend continue?

It certainly appears that Cash ISA providers are doing little to encourage savers. At 0.73%², the average no-notice Cash ISA rate is still significantly below its level in August 2016, when the base rate was also at 0.5%.

Further analysis shows that, compared to when interest rates last went up in 2007, providers have been much slower to pass on the rise.³ They have also introduced cuts more quickly; symptoms of a deposit market that is now far less competitive than it was before the financial crisis. Funding initiatives such as the Funding for Lending Scheme, introduced to reinvigorate the banking sector, have made the need to compete for savers’ cash almost redundant.

One in five savings accounts now pays just 0.10% – earning £20 annual interest on a £20,000 deposit.⁴  Of 1,759 savings accounts on the market, not one currently pays a rate that matches inflation.⁵

But despite years of derisory returns, the cash habit is proving a hard one to break. In the UK, we hold an average 69% of our investable wealth in cash; a figure that has actually gone up since 2015.⁶ Indeed, the same research revealed that 54% of people intended to increase their cash savings over the next 12 months.

Of 1,759 savings accounts available, not one matches inflation.

Cash ISA savers have, until recently, epitomised that trend. Cash ISAs have typically accounted for 80% of ISA subscriptions every tax year and more than ten million accounts have received contributions in each of the last ten years. Consequently, over £270 billion is now deposited in Cash ISA accounts.⁷

“It’s clear that Cash ISAs form a key part of these individuals’ longer-term savings strategy,” says Phil Woodcock, Head of Investment Communications at St. James’s Place. “But with cash returns still near record lows, that is a lot of money failing to achieve the very basic objective of keeping pace with inflation. Alongside pensions, ISAs have an important part to play in creating wealth for the future; yet cash savers are at real risk of failing to make the most of the long-term tax breaks on offer.”

Signs of shift

But there are signs that savers’ attitudes and behaviours may be changing. In contrast to Cash ISAs, last year saw contributions to Stocks & Shares ISAs rise by 6% to £22.3 billion.⁸ This shift, coupled with the strong stock market returns in recent years, means that, for the first time since ISAs were introduced in 1999, the amount of money held in Stocks & Shares ISAs is greater than that deposited in the cash alternative.⁹

It appears that savers are increasingly recognising the greater long-term potential of Stocks & Shares ISAs to create tax-efficient capital growth and income.

Another factor influencing this trend was the introduction of the Personal Savings Allowance in April 2016, which enables basic rate and higher rate taxpayers to earn tax-free interest from standard savings accounts of up to £1,000 and £500 respectively each year. The new allowance effectively nullifies the tax advantage of Cash ISAs for the majority of savers.

At the current average no-notice rate of 0.48%¹⁰, the allowance enables a basic rate taxpayer to hold around £208,000 on deposit and receive all their interest tax-free; for a higher rate taxpayer, the equivalent figure is half that amount.

“The only thing that will bring Cash ISAs back to life, particularly for higher rate taxpayers, is significantly higher interest rates,” says Woodcock. “Those with larger cash balances could then exceed their Personal Savings Allowance; but it could be a long wait, as markets currently forecast that interest rates will reach only 1% by 2020.”

In the meantime, and as the end of the tax year approaches, individuals yet to use their ISA allowance, or with accumulated ISA savings, need to carefully consider their options. Maximising this valuable opportunity could go a long way towards achieving financial security.


The value of an investment with St. James’s Place will be directly linked to the funds you select and may fall as well as rise. You may get back less than you invested.
An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.
The favourable tax treatment of ISAs may be subject to changes in legislation in the future.


¹’ ⁷’ ⁸’ ⁹ Individual Savings Accounts (ISA) Statistics, HMRC, September 2017
²’ ³’ ⁵’ ¹⁰ Moneyfacts, January 2018
⁴, January 2018
⁶ BlackRock, May 2017

How to close Apps in iOS on the iPhone, iPad or other iOS devices

How to close Apps in iOS on the iPhone, iPad or other iOS devices

As more and more of our clients are using iPhones, iPads and other iOS devices, we want to blog about closing Apps in iOS.

Your smartphone or iPad is a hardworking tool, capable of literally almost anything, including of course running our latest free App – you can get that here

Telephone calls happen to be a small part of what most of us use our Apple devices for these days. More frequent use includes emails, Apps, directions, purchasing equipment and thousands of other tasks. After carrying out hundreds of App demonstrations with financial services firms, it has become clear that many users were unaware that their phone was running Apps in the background.

Why bother closing Apps?

What many people do not realise is that by allowing these Apps (sometimes twenty or more) to run in the background, they are wasting a huge amount of the device’s processing speed and battery life. No wonder they have to keep recharging.

Some users we spoke to had never closed a single App – ever! That meant they were running a high number of Apps, slowing their device down and reducing its battery life and length.

How to close an App in iOS and later OSes:

accountancy app image007

To close down those sneaky background Apps in the new operating system is much easier than in previous versions. The first step is to access the task bar on the device.

Simply press the ‘Home Button’ twice, quickly:

If you are used to previous versions of IOS, then the first thing you might notice is that the home button no longer shows you a drawer with the icons of open Apps.  Instead you will see ‘cards’ that contain a screenshot of each of your open Apps.  Beneath these card images you will see the App icon. In the example to the left you can see 3 open Apps.

You can swipe in either direction between the Apps.  Swiping all the way to the left will take you to the image of your home screen, whilst going to the right reveals more open Apps (if you have more open).

Tapping on the App image will then launch or return you to that App.

To close the App (or force an App to close that’s unresponsive) is actually very simple, although it isn’t immediately obvious.

All you need to do is place your finger on the image of the App you wish to close and drag your finger upwards (forwards).  This will drag the App upwards on your screen and it will fly off and close.

This simple process will dramatically speed up the iPhone, iPad or device and extend the time it will run on a single charge.



Why Harrison Hinchliffe Accountants Clients Love this Free App | Our New App

It’s now 4 weeks since Harrison Hinchliffe Accountants launched the new iPhone and Android App.  Since then, clients and contacts have downloaded it across Glossop.

The App has generated some fantastic feedback from users enjoying its many features for free. 

It’s also helped Harrison Hinchliffe Accountants get recognition for being a proactive firm of accountants that is prepared to reach out to its clients in an innovative manner.

The 5 things that clients enjoy the most from the App are: 

  • Photo receipt and management tool – never lose a receipt again!
  • GPS Mileage tracker
  • 15 + Free calculators from income tax to inflation: it’s all there
  • Helpful, handy Tax sheets
  • Key Tax Dates

So if you haven’t got your copy of the App yet, it’s available right now for iPhone, iPad and Android devices.  Simply click on the relevant link below or scan the QR code.


QR Code Download App

Harrison Hinchliffe App

Accountants in Glossop Launch Powerful App | Harrison Hinchliffe Accountants in Glossop

It’s landed!

The Brand new App from Harrison Hinchliffe Accountants

As a firm we are constantly looking for ways we can improve the service we offer our customers and we are proud to announce the launch of our brand new Harrison Hinchliffe Accountants App.  It’s completely free of charge and it’s available for iPhones, iPads and Android devices.

So the next time you need to look up a tax rate or work out a VAT calculation, our new App can help.  It provides you with up to date, important accountancy data at your fingertips.  PLUS:

Photo Receipt Management, Email and Store

Never lose a receipt again! Using the latest App, you can track receipts and expenses literally at the touch of a button. With minimal effort you can take a picture of any receipt and save it to your App. Any additional information can be added later and receipts stored by amount, category, and date. It can help you track all your expenses with ease and enable us to interact digitally with you.

GPS Mileage Tracking and Management tool

When it comes to mileage tracking, half the battle is keeping an accurate tab on your journeys. Using the built-in GPS on your device, it will automatically track your mileage, helping you to record every single trip at the touch of a button. It also manages trips as well, storing them and allowing you to view, edit or email them with complete ease.

Keeping in touch via ‘Push Notifications’

As a firm we are committed to finding ways to communicate and interact with clients in the most efficient possible way.  The new App enables us to send push notifications to all App users.  We will be using this feature to share important news, deadline reminders and financial updates with you.

This App was designed to provide every service you could ask from us. We’ve put your favourite business systems, invaluable tools and features such as calculators, tax tables, logbooks, receipt and income management, instant access to the latest financial news and information and valuable company info, directly from us. With all this on one App, our App will likely be your go-to tool in the future.

It’s available for iPhone, iPad and Android devices completely free of charge right now! 

Enjoy our App with our compliments and you can download by clicking the app image below

Harrison Hinchliffe App

Clair Harrison


1. A surplus by 2019-20

This year the deficit will have been cut by almost two thirds from its peak. Over the next 4 years, the deficit will have been eliminated and the government will be running a surplus – where more tax is raised than is spent.

To help achieve this, there will be a further £3.5 billion of savings from departmental spending in 2019-20, less than 50p in every £100 the government spends. There will be an efficiency review to inform future spending decisions.

2. Double the dedicated funding for sport in primary schools, paid for by a levy on soft drinks

Soft drinks companies will pay a levy on drinks with added sugar from April 2018. This will apply to drinks with total sugar content above 5 grams per 100 millilitres, with a higher rate for more than 8 grams per 100 millilitres. This won’t need to be paid on milk-based drinks or fruit juices.

This will be used to double the primary PE and sport premium (the additional money schools have to spend on PE and sports) to £320 million a year.

3. A longer school day for 25% of secondary schools

25% of secondary schools will be able to opt in to a longer school day from September 2017 so that they can offer a wider range of activities for pupils. There will be up to £285 million a year to pay for this.

4. Every school will be an academy by 2022

By the end of 2020, every school in England will be an academy or free school – or be in the process of becoming one. This will give head teachers more control over their budget and the curriculum they teach.

The current system for funding schools will also be replaced by a fairer national funding formula from April 2017. There will be £20 million a year in additional money for schools in the north of England.

5. Lifetime ISA: a new £4,000 ISA that you can use to save for retirement or to buy your first home

From April 2017, any adult under 40 will be able to open a new Lifetime ISA. Up to £4,000 can be saved each year and savers will receive a 25% bonus from the government on this money.

Money put into this account can be saved until you are over 60 and used as retirement income, or you can withdraw it to help buy your first home.

The total amount you can save each year into all ISAs will also be increased from £15,240 to £20,000 from April 2017.

Find out more about the Lifetime ISA

6. The Personal Allowance will increase to £11,500, and the higher rate threshold will rise to £45,000 in April 2017

The Personal Allowance is the amount of income you can earn before you start paying Income Tax. This is currently £10,600 – it will already rise to £11,000 in 2016, and will now increase further to £11,500 in April 2017.

The point at which you pay the higher rate of Income Tax will increase from £42,385 to £43,000 in 2016 and to £45,000 in April 2017.

7. HS3 between Leeds and Manchester

£60 million has been announced to develop plans to cut journey times to around 30 minutes between Leeds and Manchester, as well as improving transport connections between other cities in the north.

8. £80 million to give Crossrail 2 the go-ahead

This will be used to continue planning for Crossrail 2. The proposed Crossrail 2 route will connect South-West and North-East London, increase tube capacity and reduce the pressure on Victoria and Waterloo stations.

9. £100 million to help people move on from emergency hostels and refuges

This will pay for 2,000 places to live for those who need to move on from emergency hostels and refuges.

£10 million will also be available for schemes like No Second Night Out, which is aimed at helping people who have recently started rough sleeping to come off the streets after a single night.

10. New tax allowances for money earned from the sharing economy

From April 2017, there will be two new tax-free £1,000 allowances – one for selling goods or providing services, and one income from property you own.

People who make up to £1,000 from occasional jobs – such as sharing power tools, providing a lift share or selling goods they have made – will no longer need to pay tax on that income.

In the same way, the first £1,000 of income from property – such as renting a driveway or loft storage – will be tax free.

11. Freezing beer duty to help pubs

Duty rates on beer, spirits and most ciders will be frozen this year.

12. Fuel duty will be frozen again in 2016-17

Fuel duty will be frozen again in 2017-17, saving the typical motorist £75 a year. By the end of 2016-17 fuel duty will have been frozen for 6 years.

13. Making sure large companies can’t artificially shift profits out of the UK

Some large companies use excessive interest payments to reduce the tax they pay on their profits in the UK. Relief on interest payments will now be capped at 30% of UK earnings, with exceptions for groups with legitimately high interest payments.

Over the next 5 years, the government will raise nearly £8 billion from large companies and multinationals through changes to the rules on interest and other measures, including:

  • introducing rules to prevent multinational companies avoid paying tax in any of the countries they do business in, a technique called hybrid mismatches
  • taxing outbound royalty payments better – these are fees for using intellectual property like patents and copyrights – meaning multinationals pay more tax in the UK
  • making sure offshore property developers are taxed on their UK profits

14. Tax support worth £1 billion for the oil and gas industry

This includes effectively abolishing Petroleum Revenue Tax (a tax on profits from oil fields approved before 1993) and dramatically reducing the supplementary charge on oil and gas extraction.

15. Cutting business rates for all rate payers

From April 2017, small businesses that occupy property with a rateable value of £12,000 or less will pay no business rates.

Currently, this 100% relief is available if you’re a business that occupies a property (e.g. a shop or office) with a value of £6,000 or less.

There will be a tapered rate of relief on properties worth up to £15,000. This means that 600,000 businesses will pay no rates.

16. Capital Gains Tax rates will be cut from 6 April 2016, but residential property will still be taxed at current rates

Capital Gains Tax is a tax on the gain you make when you sell something (an ‘asset’) that has gone up in value. It is paid at a basic or higher rate depending on the rate of Income Tax you pay.

From April 2016, the higher rate of Capital Gains Tax will be cut from 28% to 20% and the basic rate from 18% to 10%.

There will be an additional 8 percentage point surcharge to be paid on residential property and carried interest (the share of profits or gains that is paid to asset managers).

Capital Gains Tax on residential property does not apply to your main home, only to additional properties (for example a flat that you let out).

17. Employers will pay National Insurance on pay-offs above £30,000 from April 2018

From April 2018 employers will now need to pay National Insurance contributions on pay-offs (for example, termination payments) above £30,000 where Income Tax is also due.

For people who lose their job, payments up to £30,000 will remain tax-free and they will not need to pay National Insurance on any of the payment.

18. Corporation Tax will be cut again to 17% in 2020

The main rate of Corporation Tax has already been cut from 28% in 2010 to 20%, the lowest in the G20. It will now be cut again to 17% in 2020, benefitting over 1 million businesses.

19. Class 2 National Insurance contributions (NICs) for self-employed people will be scrapped from April 2018

Currently, self-employed people have to pay Class 2 NICs at £2.80 per week if they make a profit of £5,965 or over per year. They also pay Class 4 NICs if their profits are over £8,060 per year.

From April 2018, they will only need to pay one type of National Insurance on their profits, Class 4 NICs.

Paying Class 2 NICs currently enables self-employed people to build entitlement to the State Pension and other contributory benefits.

After April 2018, Class 4 NICs will also be reformed so self-employed people can continue to build benefit entitlement.

20. New stamp duty rates for commercial property from 17 March 2016

The way stamp duty on freehold commercial property and leasehold premium transactions is calculated will change. Currently, these rates apply to the whole transaction value. From 17 March 2016 the rates will apply to the value of the property over each tax band.

The new rates and tax bands will be 0% for the portion of the transaction value up to £150,000; 2% between £150,001 and £250,000, and 5% above £250,000.

Buyers of commercial property worth up to £1.05 million will pay less in stamp duty.

Stamp duty rates for leasehold rent transactions will also change, with a new 2% stamp duty rate on leases with a net present value over £5 million.

21. More funding to protect homes and businesses from flooding

Funding for new defences including in Leeds, York, Calder Valley and Cumbria and for maintenance of existing defences.

This will be paid for by Insurance Premium Tax, a tax on insurers. The standard rate will rise from 9.5% to 10%.

22. A new tax relief for museums and galleries will be introduced

This will be available to temporary and touring exhibitions from April 2017 – this will help museums and galleries create new exhibitions and display them around the UK. The government will consult on this during 2016.

23. Veterans will be able to keep payments from war pensions rather than using this to pay for social care

From April 2017, 4,000 Armed Forces veterans will be able to keep payments from their war pensions if they need social care.

Accountants Glossop

In Case of Emergency

In case of emergency for the self-employed

A lack of protection against serious illness is most prevalent among the self-employed

Paul Pickford was fit and healthy and ran a car dealership until two-and-a-half years ago. In November 2012 at the age of 42 he suffered a brain stem stroke while at work. He is now paralysed and cared for by his wife Vicky.

“I was taken to hospital where, for a variety of care-related reasons, I spent 14 months as an in-patient. I was discharged in January 2014, paralysed from the neck down, nil by mouth and unable to speak,” Paul explained via his computer, which speaks whatever he types.

While he was fit and healthy, Paul and Vicky didn’t think about lost income or the extra costs that inevitably result from such a devastating event, so they didn’t put any critical illness cover in place. When Paul fell ill and could no longer work, there was no policy to fall back on, and no income to help them cope.

“I wish we had put other things in place,” says Vicky. “We honestly didn’t think anything like this could happen.” And it’s not just Paul who has suffered from a loss of income. “My life’s on hold as much as his,” she adds.

Unfortunately, there is a growing number of people who don’t have cover in place. This protection gap is particularly prevalent among those who run their own business. The economic upheaval over the last six or seven years has seen the number of self-employed individuals increase dramatically. Yet many who left behind employee protection insurance policies haven’t replaced them with personal policies. This growing need for personal cover has been exacerbated by the reduction in sickness benefits from the state.

Expect the unexpected

Paul’s story is a powerful one that demonstrates the value of protection to anyone who thinks “It won’t happen to me.”

People never expect this sort of thing to happen, but statistics show you’re four times more likely to be off work with a serious illness than die before you retire.

Small business owners without the correct cover should ask themselves what would happen if they suffered an illness or disability and found they could no longer run their business.

Understanding the need for protection, whether this is income protection, critical illness cover, or something else, and examining your options with the help of a financial adviser is the first step to preparing for the sort of events that can happen, but we hope never will.

Contact us to discuss making sure you have the right life cover and protection in place for you and your family.

Accountants Glossop

Cash hoarding is a risky plan for retirement

Cash hoarding is a risky plan for retirement

People leaving their pension savings in cash could be putting their retirement plans at risk.

Since new pension freedoms were introduced in April, savers no longer have to invest their pension pot in an annuity, but can take it in a variety of ways.

An in-depth survey by Royal London of its own customers who had exercised their freedom since May found that 69% of them took the whole pot as a lump sum; worryingly, 26% of these are saving it all in a building society or bank account, where they will receive little or no interest.¹

Some people may be cashing in their pensions just because they can, or because they like the idea of having the money on tap in a bank account. “For very small pots this may be understandable, but for larger pots the impact of tax and, potentially, inflation can be considerable,” comments Ian Price of St. James’s Place. “What worries me is that people may fail to appreciate the consequences of moving money from a tax-advantaged wrapper to a taxed one.”

Mattress cover

It may be that those withdrawing their pension savings simply lack the confidence in their own financial acumen to make the right decision about how to fund their retirement and that, metaphorically, ‘stashing it under the mattress’ is the safest option. But, by doing just that, they increase the risk of inflation depleting the spending power of their money, or worse still, incurring significant tax charges by reinvesting – and all without actually gaining any additional benefit that is not already available within their pension.

“Much of the talk around the new freedoms has focused on being free to get out of your pension, but equally you can have freedom while you’re still in your pension,” adds Price. “Rather than seeing it as ‘open season’ for your money, think of it more as the opportunity to utilise your pension fund in the most advantageous way possible. And to do so, seeking expert advice is essential.”

¹ Royal London, August 2015

Contact us to discuss your retirement plans

Your Accountants for Middleton and North Manchester

Here at Harrison Hincliffe we have many clients in the Middleton area of Manchester. Many of our local Middleton customers are tradesmen, sole traders and self-employed people that need to have their VAT Returns and Tax Returns handled quickly and efficiently. When it comes to your end of year tax returns, our customers understand that it is a complicated affair but we have the skills to deal with it quickly and easily keeping your business in pocket.

We also pay out £50 to every customer that refers another customer to us – after all, referrals are the best form of building your business.

If you own a business in the Middleton area of Manchester why not get in touch with us today or visit our Middleton page to see more about our services that will benefit you and your business.

New Website Launched

Welcome to our new website, same great accountancy service you have come to expect from us, just with a new website to showcase our accountancy services. We have been working hard with local businesses in the Glossop and Manchester area to provide expert advice on Tax Planning, Bookkeeping, Payroll and other standard accountancy services and our aim is to keep this local service going with our clients to forge long lasting relationships. If you want to take a look around our website, please do, get a feel for all our services and keep this blog saved in your favourites as we will be posting latest news that could affect your business.