I'm the founder of Calcsmith - a UK personal finance calculator hub covering tax, pensions, property, contractor finance, and protection. Former NHS Group CDIO with an MBA from Warwick Business School. Available for fast-turnaround commentary on UK income tax, CGT, IHT, IR35, BTL Section 24 and the higher-rate landlord trap, pension tax relief and the 60% trap, life insurance and protection needs analysis, frozen tax thresholds and fiscal drag, and mortgage planning. I'm not an FCA-regulated adviser and don't offer personalised advice - I comment on rules, math, and worked examples. I built CalcSmith for laypeople who struggle to find reliable, up-to-date information for complex tax and financial calculations, especially for small businesses or independent contractors. I'm available f...