With the IR35 ball soon back in some contractors’ courts, blanketing should ease, but the compliance burden for many individual limited company workers will increase.

A ‘cog in the wheel’ who spun ‘legal alternatives to using insolvency practitioners’ to distressed IT firms is disqualified, after £7.6million in assets goes unaccounted for.

With pensions, the tax relief principle is always the same -- a bit like the need to open up to an IFA to properly fill in your retirement saving blanks.

We know contractors and agents are busy people. So for the avoidance of doubt about that memo, I want to share with ContractorUK readers just some of Access Financial's broad and deep capabilities.