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Plain-English notes on pensions, tax, investing and running a business in Worcestershire — written for the people I sit across the table from.

Featured1 June 2026

Commercial Property: Is a SIPP the Right Landlord for Your Business?

Mid-year is a popular time for commercial lease renewals across Worcestershire. But have you considered firing your landlord and becoming your own? By using a SIPP (Self-Invested Personal Pension) or a SSAS (Small Self-Administered Scheme) to purchase your business premises, you can turn a monthly rent expense into a tax-free retirement asset. Whether you’re eyeing a warehouse in Redditch, a retail unit in Evesham, or an office suite in Worcester, this guide explores how to leverage your pension to secure your business’s home and your own financial future.

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27 May 2026

The P60 Checkpoint: What Your 2025/26 Figures Are Telling You

As the May 31st deadline for P60s approaches, many Worcestershire business owners view this document as a mere administrative box to tick. However, for a Limited Company Director, your P60 is a vital diagnostic tool. In this deep dive, we explore how to use your 2025/26 figures to audit your tax efficiency, plan for the 2026/27 tax year, and ensure your personal wealth is growing as fast as your business—whether you’re operating from the Blackpole Trading Estate or a boutique office in Malvern.

29 April 2026

The 2026/27 Business Owner’s Roadmap: Key Changes to Your Pocket

The new financial year has arrived, bringing with it some of the most significant shifts in business taxation and compliance in a decade. From the mandatory rollout of Making Tax Digital to the new £2.5 million cap on Business Property Relief, Andrew Rankin breaks down what every UK business owner needs to know to stay efficient in 2026/27.

27 April 2026

Staff Retention in 2026: Beyond the Pay Rise

With the National Living Wage rising to £12.71 this April, payroll costs for Worcestershire’s small businesses are under pressure. But in a competitive talent market, a high salary isn’t the only way to attract and keep top staff. Andrew Rankin explores how “Salary Sacrifice” and “Relevant Life” schemes can increase your team’s take-home pay and security while actually saving your business money.

23 April 2026

Salary vs. Dividends in 2026: The New Efficiency Equation

The “old” rules of profit extraction have been rewritten. With dividend tax rates climbing this April and Corporation Tax staying high, simply following last year’s strategy could cost you thousands. Andrew Rankin explores the most tax-efficient ways to pay yourself in the 2026/27 financial year.

21 April 2026

Relevant Life Insurance: The Hidden Tax Break for Directors

Many business owners pay for their life insurance out of their own pockets, using income that has already been hit by Corporation Tax, National Insurance, and Income Tax. Andrew Rankin explores “Relevant Life” insurance—a powerful, tax-efficient alternative that allows your company to foot the bill, potentially saving you up to 50% on premiums.

20 April 2026

Why Your Pension is Now Your Best Business Expense

In the 2026/27 tax year, business owners are facing a “triple squeeze” from Corporation Tax & increased Dividend Tax. However, there is one financial tool that bypasses all three. Andrew Rankin explains why shifting your focus from dividends to employer pension contributions is the ultimate efficiency move for 2026.

17 April 2026

The Exit Strategy: Selling Your Business After the 18% BADR Hike

If you have been building your business with a five-year exit plan, the goalposts just moved. As of April 2026, the tax rate for Business Asset Disposal Relief (BADR) has climbed to 18%. Andrew Rankin explores how this change affects your “net” sale proceeds and why your financial planning needs to start years before the “For Sale” sign goes up.

15 April 2026

Protecting the Family Firm: Navigating the New £2.5 Million IHT Cap

For decades, Business Property Relief (BPR) was the “shield” that protected family businesses from being dismantled by Inheritance Tax. However, as of April 2026, a new £2.5 million cap has changed the rules of engagement. Andrew Rankin explores what this means for your legacy and how to protect your business for the next generation.

13 April 2026

Making Tax Digital Is Here: Is Your Business Ready?

As of April 6th, 2026, the “once-a-year” tax return is officially a thing of the past for millions of UK sole traders and landlords. With Making Tax Digital (MTD) now mandatory for those with income over £50,000, Andrew Rankin explains how to navigate the new quarterly deadlines and why digital record-keeping is your new secret weapon for cash flow.

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Pen and watercolour sketch of George, Andrew’s black Labrador, relaxing on the beach — George.The Rankin family’s four-legged companion.