“The client was a small sole trader approaching retirement age and winding down the business. The husband and wife had concerns on how they would financially manage once he stopped working full time. They had little pension contribution, small savings amounts and they were not optimistic about their future incomes.
Two years earlier the wife had started to receive a small state pension based only in the following years:
She had received “family allowance” for some 20+ years whilst the children were growing up and in full-time education. The clients did not know that these years counted towards her state pension qualifying years and therefore she had sufficient qualifying years for the full state pension.
After a short telephone call to the pension service, the client received a back payment of £3,500 and an increased state pension going forward. They still thank me for this golden piece of information whenever I see them.”
3. Small Sole-Trader Wind-Up: Securing Income for Husband & Wife
Brandon Hart (FMAAT), Accounts Manager
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CPRS Ltd is a new company, and we did not know much about running the accounting side of a business as company directors. We appointed A G Smith & Co to form our company and run our PAYE. Everything was explained in a way that we could understand and absorb. Any questions, of which there were many, were expertly answered and explained.
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Gary Hamilton CPRS (Grimsby) Ltd
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Andrew Dulieu Independent Mortgage Advisor
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