About

One voice, writing across several topics. The throughline is the perspective, not the subject.

Who's behind this

I'm a senior manager at a UK accountancy firm, chartered by trade, with a particular interest in construction and inheritance tax. Day to day that means managing a team, accounts and tax work, and helping family businesses hold on to what they've built.

More recently it also means being a parent of three under three, with a 2-year-old and newborn twins, which has taught me more about time, money, and priorities than any exam ever did. Carried Forward is where those two worlds meet.

I write in the first person and without my name attached, on purpose. This isn't a personal brand or a shopfront for clients. It's a place to think out loud about money, work, and the decisions that shape both, in plain English, and without the jargon unless I'm explaining it.

What I write about

Browse topics
Inheritance Tax

IHT planning, Business Relief, trusts, and policy changes.

Construction

Cash flow, CIS, retentions, and contractor finance.

Personal Finance

Mortgages vs investing, money education, financial literacy.

Life

Career, parenting, politics, and everything else.

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