For Finances Sake (FFS)

Smart Structures: How to Not Regret Your Property Investment

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.

The Furnished Holiday Let Fantasy Is Over....Here’s What’s Really Happening

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.

Strong on the Outside, Struggling on the Inside

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.

So You Think You’re a Property Investor?

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.

Crisis, Confidence, and Climbing Fast: The CFO Story of Colin Parselle

Today, we’re diving into the career of Colin Parselle, a finance leader who made it to FD in his early 30s, steered companies through crises like Travel liquidation during COVID, and isn’t afraid to talk about failures, imposter syndrome, and what it really takes to succeed.
Colin shares lessons that every finance professional and business owner needs to hear, from making bold career leaps and leading through tough times. Not forgetting, guilty financial pleasures, dream CFO swaps, and why buying a 20-year-old BMW might not be the smartest investment.

Mind the VAT!

This week Rachael demystifies VAT, what it is, why and when a business needs to register and how to not fall victim to the VAT Trap! 

From Football to Finance: The CFO Who Proves Numbers Are a Team Sport

In this episode of FFS, we sit down with Andy Comyn, former professional footballer turned CFO, to explore the unexpected path that led him from the pitch to the boardroom.
Andy shares how a physics degree, a bookkeeping course, and a love for numbers laid the foundation for a successful finance career that spans Big Four firms, industry, and education. 

A Woman Working in Finance - Fiona Roberts

What happens when a top finance leader breaks rank and tells it like it is?  In our first episode, Fiona Roberts joins Rachael Chadwick Harrison to talk toxic workplaces, system meltdowns, mum guilt and why Lurpak is the ultimate guilty pleasure!
From boardroom chaos to breaking bias, it's smart, bold conversation with zero filter. If you’ve ever felt like an imposter or wondered how the hell anyone balances career and kids – this ones for you!

Lets Talk Credit Control

Welcome back to another episode of For Finances Sake!
In this episode, Rachael dives into a topic that might not sound exciting at first—but trust us, it’s crucial for keeping your business running smoothly: credit control.
Whether you’re a small business owner, freelancer, or just trying to get a better grip on your finances, understanding how to manage customer payments, avoid late payers, and maintain healthy cash flow is a game-changer.
So grab your coffee, get comfy, and let’s talk credit control—because getting paid shouldn’t be the hardest part of doing great work.

Special Guest, Executive Coach - Annie Richardson

Welcome to For Finances Sake, the podcast where we navigate the complexities of the tax world while keeping things calm, clear, and approachable.
In this episode Rachael, your host, has a special guest joining the show.
Annie is an Executive Coach with years of experience helping leaders and professionals unlock their potential, sharpen their skills, and achieve true balance in their careers and personal lives. She’s known for her strategic approach to coaching, her empathetic style, and her ability to inspire real, lasting change."