A&R Consultancy LTD

Contact 07397555535

https://www.adviser-kalonfinancial.com/grazziela-paraschiv-fatima

The smiles you protect today are the reason planning matters tomorrow. ❤️

Life insurance can help provide financial support for your loved ones through life’s unexpected moments. Because caring for your family never goes out of style.

Message Fatima Saleh anytime to learn more about your options.

Sharing this because we know how important it is to think about the future for our families ❤️

If you’re looking into life insurance or family protection, I’d recommend reaching out to Fatima Saleh .They’re approachable, helpful, and can guide you through the process.

Sometimes a simple conversation can make a big difference 😊

If you’re self-employed, our colleague Fatima can help you protect your income and business with the right insurance coverage.

You make the money, you should be protected.

Contact Fatima Saleh - Fatima Saleh Business for more details about insurance options: 07397 555535

MTD vs LTD

📊 MTD / Self-Employed
You are taxed through Self Assessment

• Profit = income – expenses
• You pay Income Tax + National Insurance
• No legal separation between YOU and the business

➡️ Meaning:
If the business has debts… you are liable personally

⸻

📊 LTD / Limited Company
The company is a separate legal entity

• Company pays Corporation Tax on profits
• You pay yourself via salary + dividends
• Liability is limited to the company

➡️ Meaning:
Your personal assets are protected

⸻

💡 The strategy most people miss:

MTD = simple tax structure, good for low income

LTD = tax planning opportunities
✔ Dividends
✔ Expense optimisation
✔ Long-term profit efficiency

⸻

📌 The accountant’s rule:

If you’re earning small → stay self-employed

If profits are growing → go LTD and optimise

⸻

Don’t just earn money…
Structure it properly 💼

📲 A&R Consultancy
📞 07719569895
📍 19–21 Eastern Road, RM1 3NH

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🌸🐣 Happy Easter from all of us at AR Consultancy! 🐰✨

May this beautiful season bring you peace, happiness, renewed hope, and many special moments with your loved ones. 💛

Wishing you a joyful Easter filled with warmth, kindness, and new beginnings.

With love,
The AR Consultancy Team 🌷