If you live in Altrincham, you’ll know it’s more than just a postcode — it’s a thriving, leafy hub of family life, independent business, and ambition. From the excellent schools to the buzzing food and drink scene, Altrincham continues to attract professionals and entrepreneurs who are thinking seriously about their financial future.

From 6 April 2025, many UK employers have seen a noticeable increase in their National Insurance (NI) bills — a change that’s putting fresh pressure on payroll costs just as businesses are navigating a tighter economic landscape.

At Ella Rose Financial, we’re speaking to more business owners looking for proactive ways to manage this challenge — without cutting back on employee benefits.

One practical, often-overlooked solution? Salary sacrifice for workplace pensions.

Selling a business isn’t just a financial decision — it’s a deeply personal one.

After years (or decades) of hard work, business owners often reach the point where it’s time to move on. That might mean selling to a third party, transitioning to family, or winding things down. But one of the most common questions we hear in those early conversations is:

“How do I know this deal is right — not just for the business, but for my family and my future?”

In today’s economic climate, UK businesses are facing mounting financial pressures, and recent increases in National Insurance (NI) contributions have added to the challenge. For employers, this increase impacts not only the bottom line but also the delicate balancing act of remaining competitive in attracting and retaining talent. Amid these pressures, employers are exploring ways to ease the NI burden, with one increasingly popular solution being salary sacrifice pension scheme.