A contractors guide to finances, post IR35
IR35, another name for the off-payroll tax legislations were introduced into the private sector on 6 April 2021. Although the intention was to stop what could be described as underhand tax avoidance schemes and ensure that two people broadly doing the same work would pay broadly the same tax.
The Importance of Budgeting
The importance of making a budget is a financial lesson that cannot be overemphasized. If you and your family want financial security, following a budget is the only answer. If you're like most people, you probably aren't following expert financial advice by creating...
4 Common Myths about Financial Advice
Myth 1: Financial advice is only suitable for ‘rich’ people Reality: We work with customers with all levels of income and assets. As adviser’s our expertise and technical knowledge can bring value to those with more modest funds to invest. Advisers at LUNA...
Why too much Cash is not Always the Best Option
We’ve seen some turbulent markets this year, with the repercussions of COVID having a significant impact. Generally speaking, markets have partially recovered but remain extremely volatile. Sometimes investing can seem too confusing, too risky, or 'not for me'. Like...
Financial Independence after Divorce
Having spent over a decade in financial services, I have met many wonderful, intelligent women who have had very little financial control in their marriage, and now find that world perhaps intimidating or frightening. If this is you, you aren't alone,...