RiverView Portfolio Ltd

29/10/2026

Higher wages mean another cost for business owners to plan for.

Following yesterday’s Budget, the National Living Wage for workers aged 21 and over will increase by 3.9% to £13.21 an hour from April 2027.

For businesses already managing rising costs, that means looking carefully at pricing, cash flow and how the business operates.

In this clip, Dan and Mark discuss the pressure on employers and the practical response: reviewing your systems, processes and plans for growth before your margins come under further pressure.

If you employ a team, now is a good time to work through what the increase means for your own figures.

Our team can help you understand the impact and plan your next steps. Contact details are in the comments. 🩵

28/10/2026

🚨 The Autumn Budget 2026 is here!

Dan runs through some of today's biggest announcements, but what do they actually mean for you and your business?

🎥 Join us LIVE at 4pm TODAY for our FREE Budget webinar, where Dan and Mark will break down the key changes and answer your questions.

What changed. What matters. What next.

👉 Register for free: https://zurl.co/J938M

27/10/2026

Budget tomorrow. Wondering what it could mean for your business? 🩵

Once the Chancellor has finished, Dan Farthing and Mark Barrett will be going live to work through the confirmed announcements and explain what they could mean in practice.

We’ll look at the changes affecting businesses, employers, property owners and individuals, with time for your questions too.

What changed. What matters. What next.

If you run a business in Calne, Swindon or further afield, join us for a practical breakdown to help you understand your next steps.

📅 Tomorrow, Wednesday 28 October | 4pm - 5pm
💬 Live breakdown and Q&A
🔗 Save your space now through the link in the comments ⤵️

23/10/2026

Another Companies House update. Another reason to wonder what your business actually needs to do. 😅

The government has paused plans to require small companies and micro-entities to file profit and loss accounts at Companies House from April 2028.

For business owners in Calne and across Wiltshire, the practical message is to keep your current accounts work moving.

Your existing filing deadlines still apply. You must still prepare the accounts your company needs and meet your tax reporting obligations.

The separate move to software-only accounts filing also remains planned for April 2028.

One distinction that can cause confusion is that preparing a profit and loss account, sending it to Companies House and making it publicly available are separate things. A filing exemption doesn’t remove the underlying accounts work.

We’ve explained what’s changed, what continues to apply and four things directors should check in our latest blog.

Read the guide via the link in the comments. If the changing announcements have left you unsure about your own company, give our team a shout. 🩵

22/10/2026

We’re hiring a part-time Payroll Administrator in Calne. 🩵

Know your way around payroll and looking for a part-time role? Come and join our team at RiverView.

We’re looking for someone who enjoys getting the detail right, helping clients and working alongside a friendly team.

A little about the role:
📍 Primarily based at our Calne office
🕒 25 hours per week
📅 Flexible working pattern within 9am - 5pm
💼 At least two years’ payroll experience required

You’ll look after weekly and monthly payrolls for a range of clients, including workplace pensions, year-end reporting and helping with their payroll questions.

You’ll need experience with BrightPay and Xero, along with strong Excel skills. A practice or payroll bureau background would be a real advantage.

Sound like your next move? Find the full requirements and how to apply through the link in the comments.

Know someone who might fit right in? Please pass this on. We’d love to meet them.

20/10/2026

You’ve got £10,000 of genuine surplus company profit.

What are you doing with it?

💷 Dividend - money you can use now

or

📈 Pension contribution - money set aside for your future

There is no automatic winner.

A company pension contribution can potentially be very tax-efficient.

A dividend gives you more flexibility today.

And sometimes the sensible answer is simply:
a bit of both.

The decision should come back to your company cash flow, your personal tax position, pension allowance and what you actually need the money for.

We’ve broken down the main differences in our latest guide. So which would you choose?

Pension? Dividend? Or a mix of both?

Full article - link in the comments.

12/10/2026

Used the company card for something personal?

Maybe it was the weekly shop. A personal subscription. A household bill. Or you just tapped the wrong card without thinking.

It happens.

But paying for something with the company card does not automatically make it a business expense.

If the purchase was genuinely personal, you need to work out what it actually was and record it correctly.

For a company director, that might mean:
• putting the amount through your director’s loan account
• repaying the company
• checking whether the company already owed you money
• considering salary, dividend or benefit rules where appropriate

And if personal spending has been building up for a while, it is worth checking the wider director’s loan balance too.

The important bit is not hiding the transaction in “expenses” and hoping nobody notices.

Our latest guide explains what happens when a personal bill is paid from your limited company account and what you should do next.

Full article on our website - link in the comments⤵️

09/10/2026

You shouldn’t have to be a big client to feel valued by your accountant. 🩵

Whatever the size of your business, we know how much it means to you. The questions, the decisions and the plans you’re working towards all deserve time and attention.

We want you to feel comfortable picking up the phone, asking us to explain something again or bringing up that question you’ve been putting off. You don’t need to worry that it’s too small to ask.

Thank you, Fran, for your lovely feedback and for trusting us over the years. It means a lot to all of us at RiverView.

If you’d like to get to know the team and see how we could help, we’d love to hear from you.

08/10/2026

Taken more money out of your limited company than you meant to?

It might not be as simple as calling it a dividend afterwards.

If the payment cannot properly be treated as salary, a valid dividend, an expense repayment or money the company already owed you, it could end up sitting in your director’s loan account.

And that is where a few important questions start:
• Did the company actually have enough profit to support the dividend?
• Is the director’s loan over £10,000?
• When does the nine-month-and-one-day deadline fall?
• Could Section 455 tax become due?
• What are the legitimate options for clearing the balance?

For relevant loans made from 6 April 2026, the Section 455 rate is 35.75%, so this is not something to leave sitting in the accounts and hope sorts itself out.

Our latest guide explains what happens if you take too much money from your company, how an overdrawn director’s loan account can arise and what you can do next.

Full article on our website - link in the comments 👇

07/10/2026

🏃‍♀️ One of the RiverView team is taking on the London Marathon!

Jasmine Floyd is running all 26.2 miles of the 2027 London Marathon in support of the Motor Neurone Disease Association. 💙

There’s plenty of training to get through between now and race day, but we’ll be cheering her on every step of the way.

If you’d like to support Jas and help her fundraising along, you can donate through her JustGiving page here: https://zurl.co/YBp2v

Go on Jas! 👏

Help Jasmine Floyd raise money to support Motor Neurone Disease Association