Whether you are on the payroll or you run it, the question is the same.

Four short pieces, read aloud, using your own figures.

Move the sliders to your own position and each one works through what actually happens to the money. Under a minute each, and nothing is sold to you.

Two kinds of client, and the questions are not quite the same.

About half our work is with people on payroll and half with the people who run it. Start wherever you sit.

Whatever stage you are at, there is usually a decision waiting.

Most people come to us with one question and leave having sorted three.

We had three old pensions from three different jobs and no idea what was in any of them. They tracked them all down, put them in one place and showed us the figures on a single page. For the first time we know what we are working with.

I run a small engineering firm and had never paid into a company pension. We sat down for an hour, and by the end of the month it was set up and running through payroll. I wish I had done it ten years earlier.

Buying our first home felt impossible until we met them. They told us exactly what the banks would lend, which one to go with and why. We had approval in principle within three weeks.

After my husband died I did not know where to start. They were patient, they explained everything twice when I needed it, and they dealt with the insurers for me. I never felt rushed.

I was paying far too much for life cover I took out years ago. They reviewed it, found a better policy for the same cover, and the saving pays for itself every month.

We wanted to pass the farm on without leaving our children with a large tax bill. They worked with our solicitor and accountant, and the plan is in place. It took a weight off us.

Clear, straight advice with no pressure. They told me what it would cost before we started and that is exactly what I paid. I have recommended them to three friends since.

Retirement was two years away and I had no plan for the lump sum. They walked me through the options, the tax on each one and what my income would look like. I retired knowing where I stood.

They set up keyperson cover for our business in a week. When our accountant asked about it at year end, everything was already in order and on paper.

I rang with a question on a Friday afternoon and had a proper answer back before five. That is how it has been every time since. Same person, every time.

We had three old pensions from three different jobs and no idea what was in any of them. They tracked them all down, put them in one place and showed us the figures on a single page. For the first time we know what we are working with.

I run a small engineering firm and had never paid into a company pension. We sat down for an hour, and by the end of the month it was set up and running through payroll. I wish I had done it ten years earlier.

Buying our first home felt impossible until we met them. They told us exactly what the banks would lend, which one to go with and why. We had approval in principle within three weeks.

After my husband died I did not know where to start. They were patient, they explained everything twice when I needed it, and they dealt with the insurers for me. I never felt rushed.

I was paying far too much for life cover I took out years ago. They reviewed it, found a better policy for the same cover, and the saving pays for itself every month.

We wanted to pass the farm on without leaving our children with a large tax bill. They worked with our solicitor and accountant, and the plan is in place. It took a weight off us.

Clear, straight advice with no pressure. They told me what it would cost before we started and that is exactly what I paid. I have recommended them to three friends since.

Retirement was two years away and I had no plan for the lump sum. They walked me through the options, the tax on each one and what my income would look like. I retired knowing where I stood.

They set up keyperson cover for our business in a week. When our accountant asked about it at year end, everything was already in order and on paper.

I rang with a question on a Friday afternoon and had a proper answer back before five. That is how it has been every time since. Same person, every time.

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Nobody signs anything at the first meeting.

You will know how we are paid before you decide anything, in writing.

We find out where you stand

Half an hour, no charge. What you have, what your situation looks like, and what you want the next fifteen years to be. Mostly us listening.

You get it in writing

A written summary of your position and our recommendations, with the reasoning, the charges and the alternatives we considered. Yours to keep whether you go ahead or not.

We review it, properly

Circumstances change, and so do the rules and the markets. We sit down again at least once a year and tell you plainly if nothing needs doing.

Something new here every working day.

{{ deadlineDate }} is the date that decides last year's tax bill.

If you are self-assessed, that is the ROS deadline for filing your return and paying what you owe for last year. It is also the last day a pension contribution can be backdated against that year's income.

Pay the contribution and elect to have it treated as paid in the earlier year, both before the deadline, and the relief comes off last year's bill rather than this year's. Miss it and the option is gone for good.

left to pay, elect and file. Revenue's deadline is fixed, and providers need time to process a contribution.

Who it applies to

Anyone self-assessed: the self-employed, company directors, and people with rental, investment or foreign income alongside a salary.

What has to happen

The contribution has to be paid and the election made through ROS before the deadline, and the return filed. All three, not just the payment.

What it is worth

Relief at your marginal rate, within age-related percentage limits and the earnings cap. We will work out the figure that suits your position.