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Angela James

Angela is the managing director and senior adviser at Yolo Wealth our chosen advice partner. She has over 16 years’ experience in the industry, having spent the last 9 years specialising in advice to contractors and freelancers, and has worked in partnership with Contractor UK during all that time.

She has helped her clients with all aspects of their finances over the years, but with particular specialism in retirement planning, pensions, savings and investments and utilising investments for tax mitigation. Angela trained and qualified through the London Institute of Banking and Finance, holds a current statement of professional standing and is fully registered with the FCA to provide advice.

Far from thawing out the threshold freeze we’ve all suffered since 2022/23, Reeves is tipped to soon leave even more of your earnings out in the cold.

With pensions, the tax relief principle is always the same -- a bit like the need to open up to an IFA to properly fill in your retirement saving blanks.

12th February, 2025 | Money

Premium Bonds can see ‘contracting contingency money’ go further than sitting in a savings account.

Crunch the numbers this Christmas before the chancellor possibly changes up yours considerably. Or better still, get an IFA like me on your case.

17th December, 2024 | Money

Better outcomes, value for money, and improved prospects. That, at least, is the three-fold pledge of the chancellor’s now-underway rethink on retirement savings.

The only certainty of the ‘will-she-won’t-she’ pensions raid furore is the wisdom in maxing out your allowance now, while it remains generous and intact.

Salary-sacrifice and ‘relief at source’ are the pensions options for an umbrella contractor stung by an unexpected £4,000 tax bill.

6th August, 2024 | Umbrella Companies

The big three all have ‘triple-lock maintenance’ on their to-do-lists, meaning not much more than a wrapper separates them on pensions.

25th June, 2024 | Money

An exploration of getting the taxman totally off your back if you max out on contributions.

Despite the chancellor not showing them much love, pensions are an HMRC-compliant method of tax-free saving for contractors -- whether you’re brolly, limited or inside IR35.

28th March, 2024 | Money

How just 15 years of saying ‘Well it’s okay I can catch up’ will deprive your retirement pot of a hefty £380,000.

18th March, 2024 | Money

Like employees, drivers are on course to be a winner on Wednesday, potentially unlike some PSCs who risk being lumped in with vapers.

The clock is loudly ticking for contractors to review their allowances -- before HMRC calls time for another year.

Where will you spend, save and succeed in tax year 2024-25; and crucially, how?

Small but significant tweaks to the UK’s ISA landscape could make contractors happier investors, despite groans and some grumpiness.

6th December, 2023 | Money

Increasing how much tax-free saving accounts can hold would be better than streamlining ISAs on November 22nd.

Once the 'go-to' pension for tiny traders, a SIPP in 2023 represents a proposition all contractors should get their head around.

Overview of options of the financial type -- for when contractors want to stop contracting and build a nest egg.

Help is at hand to make the most out of your annual pension allowance increasing to £60,000.

Top six financial planning tips for a contractor to review to ensure the numbers stack up better in 2023.

31st March, 2023 | Money