The Chancellor has announced on 15 March that he would not be going ahead with his Budget proposal to increase the National Insurance Contribution rates for self-employed people. In the Budget of 8 March 2017, he announced that Class 4 NIC rate for the self-employed would rise by 1% to 10% in 2018/19 and by […]
About Gwyn Williams
This author has yet to write their bio.Meanwhile lets just say that we are proud Gwyn Williams contributed a whooping 26 entries.
Entries by Gwyn Williams
The Summer Budget 2015 has dominated the news since the Conservatives took power just two months ago in May. The Chancellor delivered a significant amount in his “big Budget” of Summer 2015. In many ways, Mr Osborne’s announcements this time around are more important than in March. The proof will now be in the pudding […]
What are you trying to achieve from your planning, both in business and in life? Perhaps a happy and fulfilling retirement, buying a holiday home abroad, protecting your family/business or ensuring your estate passes to the next generation efficiently. Are you on track to achieve your goals? You may be contributing to a […]
The media has provided a constant flow of news about the new pension income freedoms. If you haven’t heard, everyone at retirement age is now entitled to draw as much or as little from their pension as they like. The popular concern in the press is that people will go and withdraw everything and buy […]
Everyone’s idea of what income is needed to provide you with an ‘acceptable standard of living’ in retirement is different. In addition, no estimate remains the same for long as prices and the cost of living change year-on-year. However here, drawing upon published material from Standard Life and the Joseph Rowntree Foundation (JRF), we look […]
Planning ahead for your retirement will leave you feeling less stressed and be able to enjoy the years you are still working. Read our Top 10 Tips. 1. Think about how long you might live It’s something most of us don’t want to think about or indeed don’t. But when you think about it, […]
Work based pensions’ law has changed and all employers are legally required to automatically enrol certain staff into a pension scheme and make contributions. Employers are also obliged to tell staff about the scheme you put them in and allow other staff to join if they request to do so. If you haven’t received […]
Are you (or do you know someone) 55 years old or over and have a pension fund? Will you continue to have earnings after 6 April 2015? Will you possibly take a lump sum or income from your pension whilst you continue to work? Do you wish to have the opportunity to continue to pay […]
The Chancellor of the Exchequer gave his Budget to Parliament today, at 12.30pm. A summary of what some of the things announced can be seen here: The UK had the fastest growth in the G7 in 2014. Debt will be falling as a share of GDP in 2015-2016. The tax-free personal allowance is […]
There was a time when retiring automatically resulted in downsizing your property; bungalows, gardening and new hobbies beckoned! But more people are wondering if this is the right option for them. Unlike previous generations, those who are reaching retirement age nowadays don’t necessarily see it as the onset of ‘old age’ or even an opportunity […]
Registered to carry on audit work by the Institute of Chartered Accountants in England and Wales
Details about our audit registration can be viewed at www.auditregister.org.uk under reference number C001237469
Registered to carry out work in the UK and Ireland and regulated for a range of investment business activities by the Institute of Chartered Accountants in England and Wales.
Clay Shaw Thomas is a trading name of Clay Shaw Thomas Limited.