Gustavo Fonseca, Author at Husky Finance

Autumn Budget Update: Salary Exchange & Payroll Changes

The Autumn Budget confirmed a significant change to pension Salary Exchange rules that will take effect from April 2029. Under the new policy, any Salary Exchanged pension contributions above £2,000 per year will become subject to National Insurance (NI) charges. NI savings on the first £2,000 will remain, continuing to offer meaningful value to employers and workers when Salary Exchange is set up correctly.

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Why Pension Awareness Week Matters for SMEs

News, Workplace pension / By Gustavo Fonseca

Pensions Awareness Week runs from 15–19 September to raise awareness of pensions and how they can boost financial wellbeing in retirement. For employees, pensions are one of the most valuable benefits they receive—but for SMEs, the conversation around pensions often gets lost among the many day-to-day business challenges.

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Husky Joins JPMorgan Chase’s Fintech Forward Programme

Husky has been selected to join JPMorgan Chase’s Fintech Forward Programme

News / By Gustavo Fonseca

Last week, Husky was selected to join the JPMorgan Chase Fintech Forward Programme 2025—a milestone that opens up new opportunities for our business and the wider fintech community. While the announcement itself was exciting, what truly matters are the long-term benefits this programme brings to Husky’s journey and impact.

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2024-25 tax year update

Payroll / By Gustavo Fonseca

As we approach the new tax year on April 6th, 2025, we want to keep you informed about key payroll changes that may impact your business.

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2025 Trends in Pension Management: Are You Prepared?

Workplace pension / By Gustavo Fonseca

Pension management in the UK is evolving quickly, and now in 2025, it’s essential for businesses, accountants, and pension providers to stay ahead of the curve. From new technologies and regulations to changing employee expectations, the pension landscape is becoming more complex. Here’s a look at the key trends and how you can prepare – with Husky by your side.

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Salary Sacrifice: Transforming HR in 2025

Salary Exchange / By Gustavo Fonseca

As the workforce landscape continues to evolve, HR professionals face growing challenges to deliver benefits that are cost-effective, competitive, and engaging. Salary sacrifice—a tax-efficient method to enhance workplace pensions and other benefits—is proving to be a game-changer for HR teams in 2025.

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Be Ready: Higher Employer NI Rate in April 2025

Salary Exchange / By Gustavo Fonseca

With the Employer NI Rate set to rise from 13.8% to 15% in April 2025, alongside a lowered NI threshold, businesses face sharply increased payroll costs. Salary Exchange offers a clear, cost-saving solution to help employers navigate these changes while maintaining employee benefits.

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Why Director-Only Companies Should Consider Workplace Pensions

Salary Exchange, Workplace pension / By Gustavo Fonseca

Workplace pensions aren’t just for employees – they can be a smart financial move for directors too. Even if auto-enrolment (AE) rules don’t require you to set one up, pensions offer significant benefits such as tax savings, reduced corporation tax, and long-term financial security.

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Why Employers Need to Consider Salary Exchange More than Ever

Salary Exchange / By Gustavo Fonseca

Implementing salary exchange schemes allows employers to manage these additional costs while supporting their employees’ financial well-being, which is crucial as living costs rise.

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Could Your Business Face Fines for Pension Non-Compliance? Find Out!

Compliance / By Gustavo Fonseca

In the UK, employers have a legal obligation to provide workplace pensions for eligible employees under the automatic enrolment scheme. Since its introduction in 2012, auto-enrolment has ensured millions of workers save for retirement. But as with any legal requirement, non-compliance can result in significant consequences for businesses.

Could Your Business Face Fines for Pension Non-Compliance? Find Out! Read More »