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[lucyclarityumbrella]

Nope ...

[lucyclarityumbrella]

Absolutely, this is only getting tougher for the smaller brollies, there needs to be groups working together....

[lucyclarityumbrella]

No need for worries people, I am still here and still running it same as always. Uncertainty over government actions is making this industry harder and harder, so now I have the support of a larger group which come April 2026 should give us some longeavity.

[lucyclarityumbrella]

So a risk to the end client if no agency involved, so may find clients wanting the agency in there as a buffer prevent the JSL passing down, problem is if the umbrella and agency are linked by directors the end client still is liable. So agencies in the chain protects end client most of the time, and...

[lucyclarityumbrella]

Depends on the situation tbh, if you have put more in already, you have the choice to see if the umbrella company will roll back the payments (assuming they have returned pension funds), or simply ask the pension company to return monies and ask the umbrella to repay and tax it - hey presto should be...