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Bernard Rust

Bernard advises individuals and business owners on complex financial planning, specialising in retirement planning and after-retirement planning. He takes time to analyse the goals and needs of individuals and business owners alike and prepares advice relating to retirement, protection (including business succession and business continuity planning), investments, pension transfers and...

Mark Taylor

Mark provides specialist pensions advice to PK Group’s wide client base. This includes advising on transfers between personal pension plans, matters relating to restructuring, winding up and transfer of benefits from occupational pension schemes (including final salary schemes), and annual contribution and lifetime allowance calculations. He also specialises in retirement planning,...

Monika Trzcinska

Monika Trzcinska

Monika takes care of bookkeeping, the preparation of management accounts and the preparation of statutory accounts for a wide range of clients, including high net worth individuals and SMEs. Originally from Poland, Monika has an MSc in Economics and is currently studying for her ACCA qualifications. Statutory financial statements Abbreviated financial statements Management accounts VAT...

Pension, Property or ISA?

————- The Telegraph questioned ‘Is property better than a pension for your retirement nest egg?’ (30th Jan). ————– ISAs and property investment may not offer the same levels of tax relief that pensions do, but many Britons are seeking new ways of securing their retirement nest-egg. Experts are divided as to which is the best way to...

Tax mitigation products – maximise your tax-free allowance

It’s the time of year when many of us start planning for the next financial year, and begin looking at ways to reduce the tax bill. Every year, the government sets new guidelines for sponsored tax mitigation schemes, including ISAs, Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS). Following is a brief summary of some of the key products which you may wish to consider when...

‘Cashless’ pension contributions

If you have invested much of your wealth into assets such as stocks and shares or perhaps a commercial property, you may find that making a cash contribution to a pension scheme is a stretch. To get around this potential cash flow issue, you have the option of making ‘in specie’ contributions, using assets in place of cash. Assets such as stocks and shares and commercial property can be used...

Dale Thornley

Dale is responsible for all aspects of compliance, including the approvals of new business, advertising and liaising with the FSA. He also ensures that sales staff and consultants are fully trained in compliance matters. Dale additionally provides compliance services to other IFA firms.

Chris Pegg

Chris provides administrative support the PK Group’s Financial Advisers. His responsibilities include obtaining valuations and new business illustrations, and the processing of new business applications (online and offline), ensuring that everything is completed as efficiently as possible.

Yoomna Ali

Yoomna gained her ACCA accountancy qualification in 2008 and joined us in 2011 as part of our Accounts and Audit Team. Her responsibilities include the preparation of accounts for a wide range of clients, including small and medium sized companies and high net worth individuals. She also provides corporation tax advice and support to her corporate clients and manages a number of auditing...

PK Group is recruiting

PK Group, Richmond’s leading firm of financial advisers and accountants, is currently looking to recruit an experienced financial adviser to help generate new business and to support a number of our existing clients, from SMEs to high net worth individuals. The ideal candidate will have a minimum of 2 years’ IFA experience, hold the FPC and ideally be working towards Diploma level. The salary...

Anyone for cricket?

PK Group’s team of financial advisers and accountants don’t just play the numbers game – they also enjoy a good cricket match too! We regularly play cricket against client teams and other local businesses in Richmond, Twickenham and surrounding areas. Matches take place in the evenings at local grounds in Teddington and Hampton Hill. We play throughout the summer months, weather permitting....

Why it pays to get your tax return in early

Every year, around 15% of people end up submitting their tax return late, miss the 31 January deadline and are forced to face the harsh penalties. This is just one of many good reasons why you can benefit from sending your tax return information to PK Group well ahead of time. If you are self-employed or a high net worth individual, it is advisable to send the requisite paperwork to PK...

PK Group offers an easy solution to track your net worth

Do you really know how much your various assets are worth? Your net worth is essentially the grand total of all your assets, minus your liabilities. However, both of these numbers change all of the time, so it can be difficult to keep track. PK Group, Richmond’s leading firm of financial advisors and accountants, offers a solution which can tell you in an instant what you are worth: the...

Mark Taylor boosts the PK Group Pensions team

PK Group, Richmond’s fast-growing firm of financial advisors and accountants, is delighted to announce that Mark Taylor (Dip PFS) is joining the Pensions team, from April 2011. As a Pensions Specialist, Mark brings with him more than 20 years’ experience of working for IFA firms. At PK Group, his expertise will be valued in advising both PK Group Financial Advisors and clients on all...

PK Group once again selected as Sole Accounting Partner for a Leading Retail Bank’s Customer Event

Richmond-based PK Group, one of London’s fastest growing firms of accountants and financial advisors, is proud to announce its selection as the sole accounting partner for a leading Retail Bank’s South West London Customer Charter Event, taking place on 13 April 2011 in Fulham. This bank hosts a series of Customer Charter Events every year, in various locations across the UK. The...

Yoomna Ali joins PK Group

PK Group, the Richmond-based firm of accounts and financial planners, is delighted to announce the appointment of Yoomna Ali to their Accounts & Audit team. Yoomna joins in March 2011, in the role of Accountant. Her responsibilities will focus on the preparation of accounts for a wide range of clients, which include small and medium sized companies and high net worth individuals. She will...

PK Group trials new CCH software

PK Group, South West London’s fast-growing firm of accountants and financial advisers, has recently undertaken a highly successful beta test of “CCH Auto”, an innovative new software package offered by CCH, one of the UK’s leading accountancy software providers. PK Group has enjoyed a long-standing relationship with CCH, and, always keen to adopt the latest technologies to help improve...

PK Group clients urged to take advantage of tax-efficient investment opportunities

The tax year is drawing to a close on 5 April and PK Group is encouraging all its clients to review their investment portfolio, to ensure they are truly making the most of any tax-saving opportunities. Everyone over 18 years of age is eligible to invest up to £10,200 in ISAs. You can choose to put all of this into a Stocks and Shares ISA, or you can elect to put up to £5100 in a Cash ISA. ...

PK Group to sponsor Ian Jacob exhibition at the Picton Castle gallery

PK Group, the Richmond-based firm of accountants and financial advisors, is proud to announce that it will be sponsoring the Ian Jacob exhibition at the Picton Castle gallery in Pembrokeshire, Wales, on 1 April 2011. Ian’s work event will be entitled “Ian Jacob…In Sutherland’s Footsteps”. Ian Jacob is one of the UK’s most innovative artists, and his vibrant artistry offers a fresh...

Ascentric Platform proving popular with PK Group’s clients

PK Group, the fast-growing firm of accountants and financial advisors in Richmond, South-West London, is proud to announce that it is one of the UK’s top 15 companies using the sophisticated Ascentric platform. Ascentric is an asset consolidation service for independent financial advisers offering the UK’s most comprehensive “full wrap platform”. It makes the management of assets much...

PK Group adopts QUAD

PK Group, the Richmond-based firm of accountants and financial advisers, is pleased to announce that it has started using QUAD Business Builder, a fast and intuitive business software that provides business diagnostics and helps businesses to ultimately be more profitable. PK Group will be using the QUAD tool to enhance its service to SME clients across London and the UK. The software will...

PK Group enters into an agreement with Clear Financial Management

PK Group’s Financial Planning team has entered into an agreement with Clear Financial Management to take over the servicing of its investment clients. The move comes following the sad news that Clear Financial Management’s Managing Director, Tim Norgate, will no longer be able to run the company due to continued ill health. Tim created and led a well respected firm of financial advisors...

Corporation Tax Planning

Corporation tax is one of your major expenses as a business, and what’s more, the planning and reporting of your tax affairs can take up a huge amount of your time and resources. Reporting today is more complex than before, with rigorous investigation policies in place and stricter penalties for non-compliance, so it’s vital that no mistakes are made. It’s also important to understand where...

Ascentric Platform Demo

If you would like to try our Personal Financial Management service, and have been given suitable log in details, please click here to enter the Demo.

PK Group adopts Receipt Bank

PK Group, Richmond’s fast growing firm of accountants and financial advisors, is proud to announce another partnership which will help small businesses cut costs and save time. Receipt Bank will now be offered to PK Group’s clients as a means of reducing administration and leaving them more time to focus on their core business. Receipt Bank gathers a customer’s receipts, scans and...

Patrick Kennedy

Patrick Kennedy

As the CEO of PK Group, Patrick ensures that PK Group successfully fuses traditional accountancy and financial services with an entrepreneurial view of the business world. Patrick has worked with corporate leaders and high-net-worth individuals for more than twenty years, fifteen as a Managing Partner. Patrick is also a director of several public and private...

Martin Crawley-Boevey

Martin Crawley-Boevey

A founding Partner of PK Group, Martin was one of the first to see the benefits of merging traditional accountancy services with financial advisory services to create a firm that truly serves clients’ financial needs. Martin is a Financial Planning specialist with over twenty years experience of financial services and twelve years experience in assisting high net worth individuals. ...

Miranda Penny

A tax expert and Partner at PK Group, Miranda specialises in sophisticated tax affairs. Miranda helps clients whose personal finances require more attention and assistance than typical tax planning strategies or products. ...

Ian Brockwell

Ian is a Tax Partner at PK Group with responsibility for our high-net-worth clients’ financial affairs and taxation. Ian works in tandem with our financial advisors to ensure our clients have efficient, integrated tax and financial plans. ...

John Franks

A Partner of PK Group, John is an ex-Sales Director of a large national IFA practice with 18 years of experience in Financial Services. John brings his exceptional knowledge and understanding to our high net worth clients.

Simon Coles

A tax specialist and Partner at PK Group, Simon uses his holistic understanding of tax issues to advise both businesses and individuals how best to navigate today’s regulation. Simon works closely with Financial Planning team to ensure that clients have both accurate tax advice and access to any tax mitigation products they require. ...

David Truscott

David, a Partner of PK Group since the beginning of 2007, assists our corporate clients with all their accounting and audit requirements. David’s broad experience includes helping a number of organisations to establish and build their UK offices. Corporation Tax Planning Company Secretarial VAT advice Audit Statutory financial statements Management...

John Waller

With over 20 years experience, John joined PK Group in 2004 to bring his expertise to our corporate clients. John is skilled in financial and business planning for small and medium sized companies, and has a particular interest in media businesses. Management Accounts Accounting Software advice Audit Statutory Financial Statements Enterprise Management...

Kishor Shah

Kishor brings his significant experience to our corporate clients. A Partner of PK Group since 2005, Kishor assists a wide variety of clients in company planning and compliance. His specialties include growing companies, group structures and the affairs of UK subsidiaries of overseas companies. Corporation Tax Planning Management Accounts Audit Statutory Financial...

Clive Pinder

Clive has over 20 years of experience in SME start-ups, business modelling, budgeting and management reporting. With a breadth of experience spanning sole traders to international groups, Clive offers our clients a deep knowledge and understanding of the requirements of building and running successful businesses. ...

The support team

The support team

The support team at PK – Mandy, Julia and Rozina – help ensure that the office runs smoothly!

David Haynes

David advises both high net worth individuals and business owners on their pension, investments and tax planning. This includes advice on tax mitigation and planning for retirement.

Parminder Dhillon

Parminder Dhillon

Parminder is part FPC qualified, with over 11 years’ experience in Financial Services. His responsibilities include pension and product research, new business processing and back office support.

Graham Pearce

Graham has over 26 years experience of working in financial services. Originally in domestic banking and subsequently in investment banking in London and overseas, Graham has been a financial advisor for the last 11 years.

Ian Crump

Ian joined PK Financial Planning LLP in January 2010, having honed his skills at Edward Jones Stockbrokers and Financial Advisors with a sound knowledge in the financial planning arena. He has experience providing advice in a number of areas such as Savings and Investments, ISA utilisation as well as Protection. ISAs Financial Review Financial Planning Income Protection Keyman Insurance &...

Jean Evans

Jean has worked in financial planning for over 12 years,. Having begun her career with Natwest Investments, she quickly progressed to offering independent advice and now specialises in savings and investments, protection, pensions and retirement planning. Corporation tax planning GPP Financial Planning Enterprise Investment Scheme (EIS) Venture Capital Trusts (VCT) Life...

Jerome Reyes

Jerome is an Accounts and Audit Semi-Senior. His responsibilities centre on the preparation of accounts for a wide range of clients, from small and medium sized companies to high net worth individuals. He also provides key support on auditing projects. Jerome, who is a Certified Public Accountant, has more than 5 years’ accountancy experience; he also spent several years working as a State...

John Bosiger

John has more than 20 years experience of advising affluent clients on their personal taxation. John works closely with our clients on both taxation compliance, including tax returns, and taxation planning. Liaising with HM Revenue & Customs Review of PAYE notice of coding Advice on tax mitigation Preparation of income tax returns Preparation of Lettings...

Jonathan Haizel

Jonathan Haizel

Jonathan is responsible for managing new business wins, providing key support to the Financial Planning’s team of consultants. Jonathan’s responsibilities include the processing of new business, systems support, document management, product research and marketing assistance.

Kevin Moore

Kevin has more than 25 years experience in financial services. For more than 15 years, he has been a financial adviser and has built his reputation as a general practitioner. Corporation Tax Planning Keyman Insurance & Shareholder Protection Insurance Employee benefit schemes Financial Review Financial Planning Self-Invested Personal Pensions (SIPP) ISAs Venture Capital Trusts...

Liam Martin

Liam has over 19 years experience of working in Financial Services of which the last 14 have been advising Clients. Liam is a FSA recognised Pension Specialist and he uses his extensive knowledge in advising Clients concerning Occupational Pension Schemes and SIPPs. His Clients predominately work in Investment Banking, Private Equity and the Hedge Fund Industry. SIPPs Pension...

Luciano Peria

Luciano is a Tax Manager with responsibility for PK Group’s payroll services. He offers our clients his taxation expertise with specialism in employment taxation. Luciano assists both businesses and individuals to navigate today’s tax compliance regulatory mine field. VAT advice Payroll Preparation of Capital Gains Tax Computations Preparation of income tax...

Paul Baden

Paul leads the Financial Planning Administration and Paraplanning department, ensuring that client plans and assets are administered efficiently. Paul has over 12 years’ experience in the financial services industry. Having successfully achieved the full Financial Planning Certificate at the start of his career, he is now studying for the Diploma in Financial Planning.

Peter Collins

Peter is involved in the day to day monitoring of compliance and project management. This involves dealing with queries from Advisers, providing training where required, and checking the compliance of new business.

Philip John

Phil is an experienced Mortgage Consultant who has been in the Financial Services industry for over 20 years. A member of the PK Group Financial Planning team since 2006, Phil now specialises in mortgage advice. He has helped many clients either to purchase their new home, or remortgage their existing property, using his expertise and knowledge to ensure a smooth process throughout. He can also...

Richard Lamb

Richard has worked in the financial services industry for more than 20 years. As an experienced general practictioner, Richard assists both individuals and businesses with financial advice. Life insurance Financial planning Equity release Group personal pension...

Rizwan Khan

Rizwan Khan is an ACCA qualified audit and accounts manager. He assists a wide range of PK Group’s clients, from small and medium sized companies to high net worth individuals, with all of their accounting requirements. He also takes the lead on a number of auditing projects.

Tina Jameson

Tina is one of the Accounts Assistants, providing key support in the areas of bookkeeping, VAT returns, Company Secretarial and Payroll, for a range of small and medium sized businesses. VAT returns VAT Registration Bookkeeping Maintenance of Statutory Registers Company...

Tracy Cowan

Tracy has over 20 years’ experience and she provides key back office support in all areas of our Financial Management team including bookkeeping, VAT and payroll. Payroll Credit control Bookkeeping Cashflow Management...

Inheritance Tax Advice (IHT)

Inheritance tax is paid on the estate of a person who passes away or, potentially, on trusts and gifts that have been made by a person during their lifetime. There is inheritance tax liability on an estate if the value has exceeded a set government threshold. Inheritance tax is usually paid for out of the deceased’s estate, by the executor or personal representative. The estate must be valued...

Payroll

PK Group’s experienced team can offer everything from complete outsourced payroll solutions for small businesses and large organisations alike, through to the registration of new payrolls, the processing of monthly payroll transactions, submission of payroll year-ends and everything in between. Our market-leading payroll systems are fully HMRC accredited. Outsourcing your payroll services has a...

Advice regarding Company Share Option Plans (CSOP)

Employee share schemes give your staff a stake in your business, which can in turn lead to an improvement in its performance. They also encourage employee loyalty and can be an attractive benefit for potential recruits. With Company Share Option Plans, employers can grant employees options on up to £30,000 worth of shares each. If they sell the shares at a profit, no income tax or National...

PK Group adopts Xero

PK Group, Richmond’s respected firm of accountants and financial advisors, is pleased to announce the adoption of Xero, an online accounting software package which will allow its customers to significantly reduce the time and cost of doing their basic accounts and book-keeping. Xero will be available to all PK Group clients, including small and medium sized businesses and high net worth...

PK Group urges clients to submit their tax returns ASAP

If you are based in the UK and own a business, are self-employed, on a high income or have foreign or rental investments, then you will need to complete a UK tax return. All the necessary paperwork needs to be filed with HM Revenue & Customs in a timely manner, in order to avoid penalties. The deadline for UK tax returns is 31 January, 2011. HMRC can fine up to £100 for a late...

Advice in connection with opening Enterprise Management Incentive plans

Enterprise Management Incentive Plans (EMI) allow companies to grant share options to qualifying employees with tax benefits for both employers and their staff. EMI can be used by both private and smaller listed companies and can be offered to as few or as many employees as the company wishes – as long as they meet certain basic criteria. EMI can form a tax efficient part of a company’s...

Liaising with HM Revenue & Customs

When PK Group take care of your tax affairs, it is helpful if we are able to liaise with HM Revenue & Customs on your behalf, either via phone, post or email. Passing this responsibility to us will save you precious time and will help to streamline the process. To enable this to happen, you will need to sign a 64-8 form to authorise us as your tax agent. As your authorised tax agent, PK...

Review of PAYE notice of coding

The Pay As You Earn (PAYE) system is the method of paying income tax and national insurance contributions for employees. Employers deduct tax and national insurance contributions from their staff’s wages before payment is made. If you pay tax through the PAYE system, then your notice of coding will tell you which tax code applies to you. You will normally receive this notice in February for the...

Advice on tax mitigation

Advice on tax mitigation

Tax mitigation, as defined by UK law, is the acceptable method of arranging your financial affairs to minimise your tax obligation and liability. Anyone attempting to minimise their taxes must do so in a way that has been endorsed by Parliament. Because tax mitigation in the United Kingdom is extremely complicated, you are advised to consult an expert to seek tax mitigation advice and to help...

Preparation of Lettings Accounts

People who choose property as an investment need to consider the Income Tax, Capital Gains Tax, and possible Inheritance Tax consequences of owning more than one property. Every year, it is necessary to inform HM Revenue and Customs of your rental income and associated expenses. PK Group can ensure that you claim the full range of expenses to which you are entitled, and thus avoid paying more tax...

Preparation of Capital Gains Tax Computations

Capital Gains Tax (CGT) must be paid in respect of gains made from selling, or otherwise disposing of assets. Such assets could include stocks, bonds and property. You may also have to pay capital gains tax if you are selling or transferring a business. Capital gains tax legislation is a complex area. There are many exemptions and reliefs which can provide a number of tax-saving...

Preparation of earlier years tax returns

There are occasions when additional income and expense information is received after a tax return has already been filed. Should this happen, you do have the option to file an amended tax return. Our experienced accountants can review your tax returns for previous years. We can often spot additional deductions and write-offs, which you may previously have missed. If you are looking for someone to...

Preparation of income tax returns

If you are based in the UK and own a business, are self-employed, on a high income or have foreign or rental investments, then you will need to complete a UK tax return. All the necessary paperwork needs to be filed with HMRC in a timely manner, in order to avoid penalties. PK Group’s Richmond-based advisors can assist by offering tax return advice and help; guaranteeing that everything is...

ISAs

ISAs are a simple, tax-saving opportunity and anyone with savings should make an ISA their first port of call. ISAs are a government-run initiative, introduced in 1999 to replace PEPs and TESSAs and they allow everyone access to a proportion of tax-efficient savings. There are two main types of ISA: Cash ISAs and Stocks and Shares ISAs. Cash ISAs Cash ISAs are simply savings accounts where...

Venture Capital Trusts (VCT)

Venture capital trusts – or VCTs – are a type of investment designed to provide some private equity capital to small businesses as well as capital gains for investors. It is a closed end, collective investment scheme that uses publicly traded private equity assets to make money. All VCTs are companies listed on the London Stock Exchange. VCTs have to invest invest the majority of the...

Enterprise Investment Scheme (EIS)

The Enterprise Investment Scheme – also known as EIS – is a government programme that provides investors with potentially valuable tax reliefs when they invest in qualifying shares from companies that have been pre-approved by the government. This type of investment provides the investor with some high risk options. Because an EIS is complicated and interrelated with government legislation,...

OEIC

Open ended investment companies – known as OEICs for short – is a type of umbrella fund that allows investors to invest in a combination of bonds, shares and unit trusts. OEICs are similar to unit trusts in that they are an open ended investment for the medium-long term that puts the investor’s money into a collection of assets. This allows the individual to add to the investment at any...

Investment Trusts

An investment trust is a company that is a vehicle for investment. Typically this involves the pooling together of funds from multiple investors in order to make a collective investment in assets that fir the Investment Trust’s strategy. They are closed end investments that are divided among the investors in shares, which the investors then have the ability to purchase and sell if, and...

Unit Trusts

A unit trust allows a private investor to access the expertise of a fund manager. These investments can be purchased through either a single or monthly payment and a simple way for a person to invest in a variety of asset types. At PK Group, we are able to research and recommend Unit Trusts and fund managers that are appropriate to your financial aims. The fund manager will spread your...

Offshore Bonds

Offshore bonds are not dissimilar from onshore bonds, the key difference being that they are operated and maintained by companies with foreign subsidiaries which also manage onshore bonds but do not operate in the United Kingdom. Offshore bonds are not taxed in the United Kingdom and this allows them to grow at a higher rate. They are a popular solution for investors who are citizens of the...

Onshore Bonds

Onshore bonds allow several investors to pool together their money and invest it in specific assets. It means that a person with limited finances is still able to invest in something that is usually on the scale of industrial fund managers. Onshore bonds are generally considered single premium investments, but they do allow the investors to add to them on a regular basis, or as required. The...

Wrap Investments

Wrap investments – also known as wrap accounts – have only recently become available. These accounts allow the investor to collect all of their investments (e.g. pensions, ISAs, investment portfolios, etc) in a single place where they can be easily valued and monitored. What are the benefits of a wrap investment? A single, total value for all of your investments in the wrap...

Asset Allocation

Asset allocation is a method whereby an individual’s investment portfolio is spread across a range of different assets such as equities, cash and fixed interest options. Investments can also be spread across other asset classes including property, currency, hedge funds, and private equities. By diversifying an investment portfolio across these different options properly, asset allocation...

Financial Review

A financial review can help you to organise your finances effectively; ensuring that you are meeting your personal goals and managing your risk profile in the best possible way. PK Group’s team of financial planning experts are on hand to help you review every aspect of your personal financial situation, including your income, savings, investments, retirement provisions and protection. With...

Financial Planning

Financial Planning

A financial plan is a must if you want peace of mind that your family will be provided for, come what may. Financial planning and analysis does not need to be a long or onerous task, but it does need careful thought, to ensure the needs of both you, your family and any other dependents are accounted for. To create a financial plan for you and your family, we would consider your goals and...

Second home mortgages

Owning a second home, whether in the UK or abroad, is a popular lifestyle and investment choice for many people today. However, it is important to receive expert advice on mortgages for second homes, as lenders will look at your collective liabilities – including any other mortgages that you may already have – when deciding if you have sufficient income to cover the payments. Our...

Buy to Let Mortgages

Property is a significant part of many investment portfolios, whether to supplement income or to build up equity for the future. PK Group can help you to source cost effective finance for your property or property portfolio. We can also assist if you wish to keep your existing main home and purchase a new residential property. This has many tax advantages, and it may allow you to keep a property...

Commercial Mortgages

If you are a self-employed individual, a limited company or a professional partnership, a commercial mortgage may be the best way to finance the purchase of buildings and land for business purposes. It provides the most flexible and affordable finance solution. PK Group offers a comprehensive service that reviews your current situation and identifies suitable commercial mortgage...

Equity Release – Home Reversion

A home reversion plan allows you to release a percentage of the value of your home, as cash. The lender will appoint a surveyor to value your home. You will not receive the full market value of your home, as the lender is offering you a tax-free lump sum and is effectively allowing you to live in your home rent-free. With home reversion plans, there are a number of factors which will help...

Interest Only Mortgages

With an interest-only mortgage – as the name suggests – the monthly mortgage repayment involves only the interest part of the debt. The main advantage of an interest-only mortgage is that the monthly repayments will be considerably lower than they would be with a traditional repayment mortgage. The main drawback is that at the end of the mortgage term, you will still owe the original...

Repayment Mortgages

Repayment mortgages are the traditional type of mortgage and they remain the route to guaranteeing a property will be legally yours at the end of a mortgage term – provided you have repaid the loan. Your mortgage debt is divided into monthly capital repayments (in other words, repayment of the money you borrowed) and monthly interest payments (that is repayment of the total interest you are...

Remortgage

Re-mortgaging can be a useful and cost effective strategy for raising additional finance as well as an efficient way to reduce your property costs. Our Property Finance team can provide expert remortgage advice and source the very best remortgage deals, to find a suitable new mortgage for your property. For an initial consultation, please contact your PK Advisor. If you have not worked with us...

Mortgage Manager

Are you sure you are getting the best mortgage rate possible? Most people lose money by being saddled with the wrong loan. The market is highly competitive; offers change all the time – but PK Group’s Property Finance team in Richmond is constantly monitoring and reviewing the latest mortgage deals to assist our clients in managing their finances effectively. We undertake regular mortgage...

Group Permanent Heath Insurance (PHI)

Group Permanent Health Insurance (PHI) are plans offered to businesses as a benefit to their workforce. The plan pays out a fixed amount every month if the insured is deemed unable to work due to illness or an accident. The payments are made to the employer who then pays the insured until he (or she) returns to work or the plan end date is met, whichever comes first. To obtain Permanent...

Family Income Benefit

Family income benefit insurance is a policy that will supplement a life insurance policy by paying out a monthly sum to the beneficiary from the time the policyholder dies and the policy’s term ends. This helps provide a steady and regular income that may come close to – or totally replace – the lost income when the insured died. The monthly payments will be paid out as a static...

Critical Illness Cover

Critical illness cover – also referred to as critical illness insurance – offers the insured a lump sum payment if they are diagnosed with a specific illness or health problem. The lump sum is payable at the time of the diagnosis and it helps the policyholder to pay any living expenses while they are being treated for the illness. This type of insurance is for specific illnesses or certain...

Income Protection

Income protection insurance is an insurance policy that will pay a person an income if they are unable to work for an extended period of time due to injury or illness. It is a regular, tax free, monthly income that provides the policyholder with anywhere between fifty and sixty-five percent of their pre-tax salary. Income protection plans are long term policies that go into effect after the...

Long Term Care

Long term care plans are designed to help investors in their later years care for themselves or a spouse, if they suffer disability or illness. It is usually used if the the illness or disability will continue for an extended period of time. Long term care is not covered by private medical insurances because the condition is considered ‘chronic’ and the person is not likely to recover from...

Mortgage Protection

If you have a mortgage, then you may wish to consider taking out Mortgage Protection Insurance, especially in the current economic climate. There are two basic types of mortgage protection plans: Decreasing Term Assurance and Level Term Assurance. Decreasing Term Assurance can pay off part or all of the outstanding debt of a mortgage on critical illness and/or death. It is cheaper than Level Term...

Keyman Insurance & Shareholder Protection Insurance

Keyman insurance and shareholder protection are two of the most important insurance policies for businesses, but ones which often get overlooked. Most businesses will as a matter of course organise public liability insurance, buildings and contents and car insurance. However, what would happen, if you were to lose one of your key employees? Someone who is crucial to the success of your...

Life Insurance

Life Insurance (often called Life Assurance) will give you peace of mind, knowing that your family can be taken care of in the event of your death. Your policy will either pay out a lump sum or a series of payments – and normally without any income tax deductions. At PK Group, we can offer impartial advice, undertake life insurance comparisons and provide you with a range of quotations. For...

Qualifying Overseas Recognised Pension Scheme (QROPS)

If you currently reside outside the UK but have accumulated UK pension funds or if you are about to move overseas from the UK, then your UK pension rights can be transferred to a Qualifying Recognised Overseas Pension Scheme (QROPS). The QROPS must abide by UK rules for QROPS members who have been resident in the UK for any length of time in the previous five tax years. Once members have lived...

State Second Pension (S2P)

The State Second Pension (S2P) provides a top-up to the basic state pension for employees. The legislation is frequently changing and it is important that employers and beneficiaries alike are well versed in this complex area. To understand the changes in State Second Pension, the rates and entitlements, please get in touch with your PK Group Advisor. If you have not worked with us before...

Annuity

If you have a stakeholder pension, personal pension or money purchase scheme, then when you retire, or continue to work but decide to begin drawing your pension, you will probably need to purchase an annual pension called an annuity. If you are a member of a ‘Defined Benefit Scheme’, such as a Final Salary Scheme, then you will not need to purchase an annuity. Upon your retirement, you will...

Income Drawdown

Income Drawdown (also referred to as Unsecured Pension) is where pension policyholders choose to continue keeping their retirement savings invested and take an income each year – rather than buying an annuity. This facility can only be used from age 55 onwards. From 6 April 2011, the rules are all set to change – the government is currently running a consultation so we will update...

Group Personal Pension Plans (GPPP)

A group personal pension plan (GPPP) is a collection of personal pension plans (PPPs), which an employer provides for its employees. A personal pension plan is, in simple terms, an investment policy that provides a fund to purchase an income in retirement. The policyholder and/or employer contributes to the plan, the money is invested and a fund is built up. The amount of pension payable at...

Pension Transfer

Transferring pensions from one scheme to another is often necessary, particularly if you change employer. Or, you may simply have concerns that your pension is underperforming or not flexible enough for your needs. It is vital that you seek professional advice before undertaking a pension transfer, as this is a highly complex area. At PK Group, our specialist pension team has many years’...

Self-Invested Personal Pensions (SIPP)

A self-invested personal pension (SIPP) means that the policy holder is in total control of where their money is invested, so it is therefore most suited to individuals with a good understanding of financial markets and fund management. The use of SIPPs has grown significantly in recent years as increasing numbers of sophisticated investors have taken control of their pension provision. SIPPs...

Stakeholder Pensions

Stakeholder pensions were introduced by the government in 2001 to encourage wider retirement planning. Any company with more than five employees is legally obligated to provide access to a Stakeholder Pension Scheme as a minimum. Benefits of Stakeholder Pensions include: Low charges Flexibility: payment holidays are permitted, with no penalties and the scheme can be moved to another provider,...

Retirement Planning

The main objective of any retirement plan is the provision of sufficient income in retirement. While there are many factors that can influence this outcome, the very best thing you can do is to put in some serious planning as soon as possible. Whether you are looking to open your first pension, transfer a pension from one provider to another or even if you are about to retire, PK Group can offer...

Marcus Blomgren joins PK Group

PK Group, the Richmond-based firm of accounts and financial planners, is delighted to announce the appointment of Marcus Blomgren to the Accounts and Audit team. Marcus joins PK Group in September 2010 in the role of Accounts and Audit Semi-Senior. Marcus will be involved in a number of areas of the business, from preparing accounts to completing tax returns and undertaking audits – for a...

PK Group enters into an agreement with Orion Financial Management

PK Group’s Financial Planning team has entered into an agreement with Tehmasp D. Engineer, a qualified accountant who previously ran Orion Financial Management, to offer their advice and services to his clients. Tehmasp will continue to work closely with PK Group, as a consultant. Clients of Orion Financial Management will now have the benefit of the wider service offering of PK Group, whilst...

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Employee benefit schemes

PK Group’s experienced team are able to provide a full employee benefits consulting service. People are the most important asset of any business, and organisations are increasingly recognising the importance of offering a strong and attractive benefits package for their staff. Those benefits not only should include pension provisions, but also provide protection should an employee became ill or...

Maintenance of statutory registers

Every company is legally obliged to keep certain specified registers, books and records to reflect the operation of its business. It is the Company Secretary’s primary responsibility to ensure that they are properly maintained and kept up to date. If you enlist PK Group to act as your Company Secretary, we will ensure that all of your important statutory requirements are fulfilled, leaving...

Registered Office

PK Group can offer various addresses for UK companies which can act as a registered office address. You can use this as your company’s official business address and declare it to Companies House. Using a reputable address as your registered office address has a number of benefits. Not only does it make you appear more professional, but an effective registered office address ensures your mail...

Company Secretarial

Company secretarial services, including the drafting and filing of resolutions, the filing of accounts and the updating of the share register, are core to the success of any business. However, these tasks can be time-consuming and mistakes can easily be made. These are just two of the many reasons why you could benefit from outsourcing your company secretariat. PK Group offers comprehensive...

KPI monitoring

Businesses that have taken the time to identify and track their Key Performance Indicators (KPIs) are usually rewarded with better performance. However these benefits are lost when the KPI tracking is haphazard or inconsistent. PK Group offers a comprehensive KPI tracking service. With an external organisation monitoring this key data, you can be sure that the process is not forgotten during busy...

KPI Identification

The health of most businesses can be accurately measured by the bottom line. However the bottom line can only reflect the past performance of your business. Measuring your progress and success by your bank balance alone is inefficient at best. Most owners and managers also track at least one other Key Performance Indicator (KPI). At PK Group we help our clients to improve their measurement and...

Online Accounting

Online Accounting

The benefits of online accounting are numerous. They include: The ability to access your accounting records any time of day or night, from any computer and any location; The ability to share access to your records with the team at PK Group, so that we can solve problems for you; A number of new features and functionalities that make your online accounting easier and far more efficient. Online...

Accounting Software advice

There are an increasing number of accounting software packages on the market these days and it can be hard to know which option will best meet the needs of your business. The accountancy team at PK Group are highly experienced in online accounting solutions. After an initial consultation, a consultant will review your requirements and offer advice on the best accounting software. PK Group...

Credit control

Credit control and credit management are becoming increasingly important to businesses of all shapes and sizes during these times of economic uncertainty. Better credit control will help improve your business’ efficiency levels and reduce your exposure to risk. As part of our suite of corporate accounting services, PK Group’s team of specialists are able to help your business with all aspects...

VAT compliance

The specialist Value Added Tax (VAT) team at PK Group can provide you with practical compliance advice and support. We can assist you in setting up systems which will help you to effectively manage this complex tax regime. And, in addition to all the other VAT services we provide, we can negotiate with HMRC on your behalf, should any queries or disputes arise from your VAT return. We have...

VAT registration

All UK businesses with an annual turnover in excess of £64,000 must apply for Value Added Tax (VAT) registration. Some companies also choose to apply for voluntary registration where anticipated turnover is below this threshold, if they have a valid commercial reason for requiring VAT registration. PK Group’s experienced team of advisors can help you identify whether VAT registration is...

VAT advice

Value Added Tax (VAT) is a complex tax regime and there is a lot more to understand than how to file a VAT return. Whether you are a limited company, sole trader, public organisation or charity, at PK Group, we can offer you advice on all aspects of VAT, including assistance with VAT registration, VAT planning and administration, VAT control & reconciliation and VAT returns. We can also...

VAT Returns

Value Added Tax (VAT) is one of the most complex taxes imposed on businesses and many end up accidentally under or over-paying VAT. Changing regulation and growing demands from HM Revenue & Customs only add to this complexity, making it imperative that an experienced professional takes care of your VAT Return. PK Group’s experienced tax specialists can take care of every aspect of your...

Bookkeeping

A sound bookkeeping practice is essential to the smooth running of your business. Whilst not a legal requirement in the way that taxation and VAT are, professional bookkeeping has a number of benefits. It will help you to clearly manage and control your finances and plan for future growth. And with your accounts completed more efficiently, you will inevitably save money in the long run. PK...

Cashflow

A cashflow projection is a key management report for any business, and particularly one looking for investment or a loan, as it illustrates how cash is expected to flow in and out of the business and therefore how much capital is required. With our state-of-the-art cashflow management technology and highly experienced staff, the team at PK Group can ably assist in managing your company’s...

Budgets

Cashflow is the lifeblood of a company, and if you want to keep it flowing rapidly and healthily, then you need to be in great control of your budgets. Budgeting effectively is absolutely key in making sure you avoid any mistakes or nasty surprises with your cashflow. At PK Group, our experienced team of accountants will work with you to identify your income streams and costs. We will...

Management accounts

Management accounts

PK Group offers its clients a wide range of outsourcing options for financial management. We work with a wide range of businesses, from small firms to listed companies, all of whom outsource different aspects of their financial management function. The combination of our highly qualified staff and the most up to date, advanced accounting systems means that we can efficiently take care of your...

Corporation Tax Computation

Corporation Tax Computation

All companies who are liable for corporation tax must also prepare corporation tax computations on an annual basis; reports which demonstrate precisely how their profits were achieved. Corporate tax computations must be filed with the HM Revenue and Customs in a timely manner to avoid strict penalties. PK Group’s tax specialists can take care of everything for you, ensuring that your...

Corporation Tax Return

Corporation Tax Return

Every UK-based trading limited company is liable to corporation tax on their profits. Limited companies that are based overseas can still be expected to pay corporation tax if the central management or trading activities take place in the UK. And it’s not just limited companies who pay this tax. Certain trade associations, housing associations, societies and even co-operatives may also be...

Audit

Companies above a certain size are legally obliged to appoint external auditors to conduct an audit on their accounts and to confirm that those accounts represent a true and fair view of the company’s financial position. Even if it is not a statutory requirement, many companies still choose to conduct an audit to provide transparency and reassurance to third parties, particularly lenders and...

Statutory financial statements

Statutory financial statements

PK Group’s advisors can assist you in the preparation of financial statements, ensuring that they fully comply with the relevant company and UK financial reporting legislation. Statutory financial statements are required by law and normally include a directors’ report, statement of directors’ responsibilities, accountants’ report, profit and loss account, balance sheet and any related...

PK adopts Microsoft Dynamics CRM software

PK Group, the Richmond-based firm of accountants and financial advisers, is pleased to announce its adoption of the Microsoft Dynamics CRM software, as part of a drive to offer the very best possible customer service to companies and high net worth individuals. The Microsoft Dynamics CRM software stores key customer information, enabling advisors to access the data they need quickly and...

Abbreviated financial statements

Abbreviated financial statements

Many small and medium sized companies will be permitted to submit abbreviated financial statements to Companies House. Abbreviated accounts reveal less information to the public record, something which many small and medium sized companies and their owners prefer. Small company abbreviated financial statements derived from non-audited financial statements will simply include a balance sheet and...

PK Group becomes a Microsoft Registered Partner

PK Group, South West London’s fast growing firm of accountants and financial advisers, announces that it has become a Microsoft Registered Partner, having chosen a range of Microsoft technology solutions to provide a strong platform for its employees and clients alike. In selecting just one provider for its technology, PK Group can offer a more seamless service, with products such as...

PK Group announces the appointment of Graham Pearce, Senior Consultant

PK Group, one of South West London’s fastest-growing firms of accountants and financial advisors, is proud to announce the appointment of Graham Pearce as a Senior Consultant. Graham will join the team in May 2010, bringing with him over 26 years of experience in the financial services industry. He will specialise in investment strategy, retirement planning and long term care. Graham...

PK Group further expands its Richmond Financial Planning team

PK Group, one of South West London’s fastest-growing firms of accountants and financial advisors, is pleased to announce that Ian Crump will join the Richmond office as a Consultant from January 2010. Ian will specialise in general financial planning, including investments, ISAs, protection, insurance, pensions and inheritance. Ian joins from Edward Jones in Ascot, where he gained his...

Jerome Reyes joins PK Group

PK Group, the Richmond-based firm of accounts and financial planners, is delighted to announce the appointment of Jerome Reyes to their accounts team. Jerome joins PK Group on 28 June, 2010 in the role of Accounts and Audit Semi-Senior. His responsibilities centre on the preparation of accounts for a wide range of clients, which include small and medium sized companies and high net worth...

PK Group further expands its Accountancy team

PK Group, one of South West London’s fastest-growing firms of accountants and financial advisors, is delighted to be welcoming Jagdish Baveja to its Richmond offices, from 14 June 2010. Jagdish will be responsible for managing the accounts of a portfolio of clients. He will also take an active role in developing new business opportunities. Jagdish is a highly respected accounts...

Anna Hemmings Speaks to Accountants and Financial Planners PK Group

PK Group, the Richmond-based firm of accountants and financial planners, recently invited Anna Hemmings MBE to their onsite meeting in May 2010. Anna is Britain’s most successful female canoeist and now a respected motivational speaker. PK Group holds onsite company meetings twice a year. The aim of these meetings is to discuss a range of strategic issues and on this occasion, Anna was...

PK Group appoints Evercore Pan-Asset

Passive fund management service to further enhance the group’s financial management offering. PK Group is pleased to announce the appointment of Evercore Pan-Asset (EPA), as part of its ongoing commitment to providing the highest possible level of financial planning services to high net worth individuals. EPA will provide a passive fund management service to PK Group’s clients, from...

PK Group Re-Appointed as Sole Accounting Partner for Leading Retail Bank’s Client Seminar

Richmond accountants to provide accounting and tax advice to small businesses across South West London. Richmond-based PK Group, one of Surrey’s fastest growing firms of accountants and financial advisers, is delighted to have been selected once again as the sole accounting partner for a client seminar organised by a leading UK clearing bank. The seminar will be held on 11 November, ...

PK Group appoints Cheviot Asset Management

Discretionary fund management service to further enhance PK Group’s financial planning services. PK Group is proud to announce the appointment of Cheviot Asset Management, as part of its ongoing commitment to providing a high quality financial planning services to high net worth individuals. Cheviot will provide discretionary fund management (DFM) to PK Group’s clients. Clients can now...

PK Group adopts Ascentric Platform

Asset consolidation software to further enhance service to high net worth individuals. PK Group, Richmond’s largest firm of financial advisors and accountants, announces its adoption of the Ascentric Platform, demonstrating further commitment to offering a high quality financial planning service to high net worth individuals. Ascentric is an asset consolidation service which has been ...

PK Group Attends Inaugural Richmond Expo

Championing local businesses in the London Borough of Richmond upon Thames Richmond-based PK Group, one of Surrey’s fastest growing firms of accountants and financial advisers, presented their business to the local community at the first annual Richmond Networking Expo, held at Twickenham Stadium in March 2009. PK Group took this opportunity to showcase its financial planning and accounting...

PK Group Selected as Sole Accounting Partner for a Leading Retail Bank’s Seminar

Richmond accountants to provide accounting and tax advice to small businesses across South West London. Richmond-based PK Group, one of Surrey’s fastest growing firms of accountants and financial advisers, is proud to announce its selection as the sole accounting partner for the bank’s Customer Charter Event, taking place on 2 April 2009 in Twickenham. This household name clearing bank is...

PK Group Selects Kashflow’s Online Accounting Software

Service to small businesses enhanced through simple, online transactions. PK Group, the respected firm of accountants and financial advisers based in London and Surrey, has selected Kashflow’s online accounting software as part of its commitment to offering the best possible service to its corporate clients. Great service can only be achieved through simple and efficient processes....

PK Group announces the appointment of Kevin Moore, Senior Consultant

PK Group, one of South West London’s fastest-growing firms of accountants and financial advisors, is proud to announce that Kevin Moore will join the Richmond office as a Senior Consultant, from December 2008. Kevin brings with him 25 years of financial advisory experience and a wealth of knowledge. He specialises in financial planning – with a focus on investments and tax...

Richard Lamb Joins PK Group

PK Group, the London-based firm of accountants and financial advisors, is proud to announce the appointment of Richard Lamb as a Consultant. Richard will join the team in September 2008, bringing with him over 20 years of experience in the financial services industry. He will specialise in general financial planning, covering mortgages, insurance, pensions and investments. Richard...

PK Group is moving

PK Group, the fast growing firm of financial architects is moving to a new, larger Head Office. LONDON, UK, Feb 5, 2008 – PK Group has grown rapidly. Originally based in a single office in Richmond, the Group has expanded across London and is now moving to a larger Head Office in Richmond. This larger base will further improve PK Group’s ability to offer companies and affluent ...

Spring Growth at PK Group

As interest rates rise, the cost of mortgages increases. PK Group, committed to helping its high net worth clients improve their finances, has launched a dedicated Property Finance department to help clients reduce their mortgage costs. London, UK (PRWEB) May 28, 2007 — PK Group has launched a specialist Property Finance service in response to the recent interest rate rises. The Property...

PK Group Expands its Richmond Financial Planning Team

PK Group’s team of experienced financial planners help its affluent and wealthy clients to structure their finances and reach their financial goals. Colin Studd, co-founder of John Charcol Ltd, has joined PK’s Richmond office to offer clients his expertise in financial planning, wealth management and investment advice. London, UK (PRWEB) July 24, 2006 –- PK Group is proud to announce...

PK Group Brings the Benefits of Off-shoring to UK SMEs

Large firms have benefited from off-shoring finance and administration for many years. PK Group has recruited industry expert Shaun Walsh to further its off-shoring initiatives. This will give SMEs access to PK Group’s respected financial management services. London, UK (PRWEB) June 12, 2006 — PK Group is delighted to announce that Shaun Walsh has joined the team to provide its...

PK Group Strengthens its Corporate Finance Team

PK Group, the London-based financial services company, is further growing its team. To meet increasing demand for its corporate finance services, it has recruited respected corporate finance professional Nick Green. London, UK (PRWEB) June 5, 2006 — PK Group is proud to announce that Nick Green has joined its corporate finance team to ensure that clients can continue to get the ...

The services of PK Group are conducted by PK Partners LLP and PK Financial Planning LLP.
PK Group is also a trading name of PK Partners LLP and PK Financial Planning LLP.
PK Partners LLP is a limited liability partnership registered in England and Wales No. OC304787.
PK Financial Planning LLP is a limited liability partnership registered in England and Wales No. OC303592.
PK Financial Planning LLP is authorised and regulated by the Financial Services Authority.

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