SJD is too expensive now and their spreadsheet is getting a bit behind the times. I left them to go to Gorilla who a FreeAgent accountant and it's definitely the way to go. Gorilla have a number of ex SJD peeps so you've got their experience and FA for a much better price.
The take home pay is pretty irrelevant in the grand scheme. Different accountants have a different view on the exact number so could be anywhere between 8k-11k (ish). When you speak to your accountant they will justify why they believe it should be this and then see if you are comfortable with it.
I'd guess the reserves is talking about leaving money in the company to cover tax liabilities, to be tax efficient and even maybe warning about keeping a war chest. You will earn more in a year that will push over the next tax bracket so if you don't need it sometimes it's more efficient to keep it in the company and withdraw at a better time etc.
As a customer of theirs I'd they are pretty good at taking the time to go through stuff like this but to be fair any of the ones you named would be as well. It's basic stuff.
The take home pay is pretty irrelevant in the grand scheme. Different accountants have a different view on the exact number so could be anywhere between 8k-11k (ish). When you speak to your accountant they will justify why they believe it should be this and then see if you are comfortable with it.
I'd guess the reserves is talking about leaving money in the company to cover tax liabilities, to be tax efficient and even maybe warning about keeping a war chest. You will earn more in a year that will push over the next tax bracket so if you don't need it sometimes it's more efficient to keep it in the company and withdraw at a better time etc.
As a customer of theirs I'd they are pretty good at taking the time to go through stuff like this but to be fair any of the ones you named would be as well. It's basic stuff.
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