In today’s episode, "Tax Traps & Tangled Tales: What You Don’t Know Will Cost You", we’re diving into some of the most common – and costly – tax mistakes small business owners make. From surprise VAT bills to undeclared income and spending tax money that isn’t really yours, we’re breaking it all down.

And joining Rachael is our resident “non-tax expert,” Beth Davis – aka the perfect civilian canary in the tax coal mine. She asks what you’re probably thinking, and trust me, she keeps it real.

When HR goes wrong, the financial consequences can be brutal.

In this episode Rachael is joined by Fiona Godfrey, CEO of Inicio HR, to shine a spotlight on the hidden risks buried in your everyday people processes — and why even small oversights in HR can lead to major headaches for finance.

From botched payroll handovers to IR35 misclassifications and overlooked right-to-work checks, they unpack the most common (and costly) HR mistakes that businesses make. The conversation also explores the rise of AI in recruitment, the legal expectations around supporting neurodiverse employees, and the surprising tax traps behind seemingly simple staff perks.

If you’re an employer, accountant, or business leader, this episode is your essential guide to spotting risk early and staying one step ahead of compliance disasters.

Statutory pay.

Yes, that glorious alphabet soup: SSP, SMP, SPP, SHPP, SAP. Confused already? You're not alone.

Whether you're an employer trying to stay on the right side of HMRC, or an employee wondering what you're actually entitled to, this episode is for you.

Rachael is joined by fellow director and payroll expert Christopher Harrison, and together they are cutting through the red tape to help you avoid costly mistakes, unexpected payroll headaches, and those dreaded compliance letters from HMRC.

So if you’ve ever asked, “Do I really have to pay for that?” or “Can I reclaim this from HMRC?” grab a notebook, because we’re breaking down the Big Five types of statutory pay, the most common traps employers fall into, and how to get it right without losing your mind or your money.

In this episode, we're diving into something that sounds dry as toast... but is actually the secret sauce to scaling your business properly: budgeting for new hires. Yep, we’re talking salaries, hidden costs, and the stuff most business owners forget until it’s biting them in the balance sheet.

Joining me in the spreadsheet trenches is Julia – our resident number whisperer who’s seen more hiring budgets than most people have had hot dinners. From pensions and onboarding to the hidden costs of cultural misfits and oat milk subscriptions, we’re covering it all.

If you’re thinking about expanding your team, or if you've ever learned a hiring lesson the hard way – this one's for you.

We’re back with Part 2 of our property series!

Rachael is once again joined by our in-house tax expert, Monty, to unpack how to structure your property investment the smart way and steer clear of expensive mistakes.

If you’re considering buying an investment property, this episode is essential listening. We explore the tax pros and cons of owning property in your personal name, jointly, or through a limited company, and highlight the common pitfalls that can lead to serious cash flow issues.

Whether you’re dipping your toes in as a side-hustle investor or building towards becoming a full-time landlord, this episode is packed with honest advice, practical strategies and a few unfiltered pet peeves you’ll definitely want to hear.

This week, we’re diving into Furnished Holiday Lets – once the ultimate tax-savvy investment for landlords, now caught in a perfect storm of rule changes, council crackdowns, and a not-so-little platform called Airbnb.

Are FHLs still a smart move in 2025? Or are they turning into a money pit with a smile?

We’ll unpack everything from tax rule shakeups and the death of Business Property Relief, to why your cleaner could make or break your investment.

If you're thinking about buying a holiday let or already own one, you’ll want to hear this.

This episode lands during Men’s Mental Health Awareness Month, a time to spotlight the conversations we too often avoid, especially in industries where toughness is worn like a badge of honour. Today, we’re tackling a subject that affects more people than we realise, but rarely gets the airtime it deserves: mental health in the workplace, particularly for men.

We’re incredibly grateful to be joined by a brilliant panel:

🛠️ Scott Walker, Managing Director at A W Walker Building Contractors, who’s breaking the silence on-site and sharing his personal journey with anxiety. 📊 Christopher Harrison, Director at Chadwick Accountants, who opens up about the pressures of leadership and the stigma he faced around mental health. 💬 And the unstoppable Kristel Pari, our Client Account Manager and wellbeing advocate, who knows how to spot the signs and support the people behind the roles.

From dark humour in construction to the quiet stress behind closed office doors, this conversation gets honest, sometimes heavy, but always hopeful.

In this Property Series, Rachael is joined by one of our Senior Accountants at Chadwicks, James (Monty) Montague and we’re asking the big question: So you think you're a property investor? Or… is your buy-to-let dream actually a cash-draining nightmare?

We break down the real costs of property investment, challenge some dangerous myths, and explain why your tenants aren’t actually paying your mortgage. Whether you're already investing or just thinking about it, this episode will help you run the numbers before your finances run away from you.