COVID-19 Notice: Thomas Carroll remain committed to putting our clients at the forefront of what we do. In light of Caerphilly county being placed under local lockdown from 6:00pm on 8th September 2020, we wanted to remind you that we are fully operational whilst working from home, so that we can continue to provide the same quality service that you normally enjoy from our team. To find a contact number for a member of our team, please click here.

Visit our COVID-19 risk management updates and advice hub here. If you’re in business, we have produced a number of guides, checklists and templates to help with your return to work preparations and ensuring your workplace is safe for your employees in these challenging times.


Putting flexible retirement plans in place now can help you ensure the financial security of your personal and business requirements in the future.

Business owners and directors are often surprised by the strategies they can apply to their business and private pension. Profit extraction via the ability to lawfully defer income and tax through pension contributions can help give you the retirement you have worked hard for.

Retirement is no longer a fixed time in your life. You can take early retirement or carry on working until state pension age, the choice is yours.

If you decide to retire early, you can currently claim your workplace or private pensions from the age of 55, but your state pension will not be available until you reach state pension age.

As a business owner or director, you may also want to consider a number of investment options in relation to your pension. For example, pension fund property purchase gives you the opportunity to buy and invest in commercial property directly as one of your pension investment options.