Systematic issues plague the contractor umbrella market, making tools an inadequate fix and the devils to beware numerous.

Money matters, but it’s not just costs to consider as an umbrella employee paying to keep your own limited company running. 

IHT, pensions and ISA changes. Each look likelier on Nov 22nd than what contractors actually need -- a new body to license umbrella companies.

Following the off-payroll shambles, who knows what the next Budget holds. But…

Preparation is the only way to guarantee yourself a really ‘soft landing,’ even if there is only three weeks to get sorted.