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Recent content by Aeia
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Security Clearance (SC) Q&A Read first before asking questions
Yep, just been told I can't apply for a contract role because I don't hold SC even though the role was advertised as "must be eligible to obtain SC" it's basically a closed market!- Aeia
- Post #689
- Forum: Business / Contracts
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Using up previous years pension allowances
New to contracting and never had to do a self assessment return before and was wondering if I have to do one to declare the following. Last year (22-23) it looks like I will have gone over the £40k max pension contributions as I contributed a lump sum to which tax relief has been applied and...- Aeia
- Thread
- Replies: 2
- Forum: Accounting / Legal
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Consequences of too much salary sacrifice into a pension??
I think the issue is that when you draw out the money from a pension you're taxed on it (albeit likely at the standard rate unless you have a massive pension pot) so if you're taxed on anything you put in you're taxed on it again when you draw it out. I've discovered I've likely overpaid...- Aeia
- Post #30
- Forum: Accounting / Legal
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SIPP / Pension tax relief confusion
I've just engaged with a Financial Advisor and he advised me what I had left from last year so I can maximise my contribution as I'd inherited some money. So I bunged that across into my pension before the end of year, I will then need to fill in a self assessment form and from that they will...- Aeia
- Post #6
- Forum: Accounting / Legal
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Financial advisor (pensions, savings etc)
Thanks all, do think a general IFA may be best. I'm nowhere near the 1M mark and financially things are simple (no mortgage (at the moment but may consider moving at some point to something more costly but no current plans), no kids, no dependents well a husband but he can look after himself :-) )- Aeia
- Post #7
- Forum: Accounting / Legal
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Financial advisor (pensions, savings etc)
Thanks, it does look like more of a "Wealth Manager" would be best as they cover everything not just pensions. Need to do some research.- Aeia
- Post #4
- Forum: Accounting / Legal
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Financial advisor (pensions, savings etc)
So I'm new to recent contracting (did some back in the 90s!), my first contract is inside IR35. I need some help looking at my finances both in terms of keeping my tax burden lower (ie. selecting and putting more into a pension, NEST is default through Umbrella but I can choose another provider...- Aeia
- Thread
- Replies: 12
- Forum: Accounting / Legal
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Contract restrictions on going permanent
Not sure if this is relevant? Opt In or Opt Out - Conduct Regs - Clarity Umbrella Ltd if you stayed opted in it looks like they can't prevent you working directly for the company?- Aeia
- Post #21
- Forum: Business / Contracts
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AMS pushing Giant
AMS seem to be the parent company of PSR and Giant so that's probably why the recommend Giant. They mentioned Giant to me but after some research I'm going with Clarity. I'm a first timer and Clarity look really helpful if I have any questions. There was no hard push to go with Giant.- Aeia
- Post #7
- Forum: Umbrella Companies
