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UK-Based Financial Advisory & Education

Simplifying Finance.
Empowering
Decisions.

CA-led financial guidance for UK freelancers, sole traders and small business owners who want to take control of their money.

Book a Consultation → Our Services
CA-led
Chartered Accountant expertise
3+
Core service areas
100%
UK-focused & practical
What We Do

Finance made simple, strategy made clear.

We combine financial expertise, education and analytics to help you make informed, confident money decisions.

💰
Personal Finance Advisory
Budget planning, savings strategy, tax return support and financial goal setting — tailored to your situation.
🏢
Small Business Support
Business registration, HMRC compliance, bookkeeping oversight, cash flow monitoring and financial reporting.
📚
Financial Literacy Training
Practical workshops for schools, youth organisations, universities and community groups.
📊
Business Analytics
KPI dashboards, performance reports, data-driven strategy sessions and financial forecasting.
📋
Tax Preparation
Self Assessment support, HMRC compliance guidance and year-round tax planning.
🚀
Startup Guidance
Business registration support, financial structure setup and early-stage advisory for new entrepreneurs.
Why AMAVO

Finance + Education + Analytics

This combination is what sets us apart from a regular accountant.

🎓
CA-Led Expertise
Every service is grounded in Chartered Accountancy knowledge — not generic advice.
🛠️
Practical & Actionable
We don't just explain — we give you tools, templates and systems you can use immediately.
🇬🇧
UK-Focused
Built for HMRC, Self Assessment, UK tax codes and the realities of UK business.
🗓 Upcoming Event — Free
Mastering Your Money: Practical Financial Strategies for Everyday Life and Business
📅 Saturday 25 July 2026
🕙 11:00 AM – 12:30 PM GMT
💻 Online
🎟 Free — Limited Spaces
Register Free → Learn More
Digital Product

The AMAVO Finance Tracker Pro

A comprehensive Excel workbook built for UK freelancers, sole traders and small business owners.

Only £12.99
Your Complete Financial System
No formulas to build. No setup required. Just enter your data and everything works.
  • ✓
    Income & expense tracker with categories
  • ✓
    Invoice log with auto due dates & overdue alerts
  • ✓
    Auto UK tax calculator (Income Tax + Class 4 NI)
  • ✓
    Monthly cash flow statement
  • ✓
    4 live charts that update automatically
  • ✓
    HMRC Self Assessment categories built in
Get Your Copy — £12.99 →
Finance DashboardLive
Income vs Target
Expenses vs Budget
Tax Pot Saved
Total Income£6,200
Total Expenses-£1,848
Tax Estimate-£1,038
Net Profit£3,314
Free Resources

Latest from the AMAVO Blog

Free articles and insights to help you make smarter financial decisions.

💷
Tax
What Your Tax Code Actually Means
Most UK employees and freelancers have no idea what their tax code means — or that a wrong one could cost hundreds.
5 min readRead →
📊
Budgeting
Turnover vs Profit: The Difference Every Freelancer Must Know
Earning £6,000 a month but feeling broke? Here's the most common financial misconception for UK sole traders.
4 min readRead →
🚨
Self Assessment
Emergency Tax Codes: What They Are and How to Fix Them
If you see W1, M1, BR or X on your payslip, you could be overpaying tax by over £3,000 a year.
6 min readRead →
Read All Articles →
Ready to Start?

Take control of your finances today.

Whether you need a consultation, a training session or a practical tool — AMAVO has you covered.

Book a Free Consultation Get the Finance Tracker
Our Story

About AMAVO Consulting

A UK-based financial advisory and education firm — making finance simple, strategic and empowering.

CA✓
Chartered Accountant led
3+
Core service pillars
UK🇬🇧
Based & focused
100%
Practical & actionable
Who We Are

Built to bridge the financial knowledge gap

AMAVO Consulting was founded on a simple belief: most people are never properly taught how to manage money. They learn through mistakes — and those mistakes can be costly.

We exist to change that. By combining Chartered Accountancy expertise, financial education and data analytics, we help individuals and businesses make informed, confident money decisions.

🎯
Our Vision
To become a trusted financial clarity partner for individuals and small businesses across the UK and beyond.
🚀
Our Mission
To combine financial expertise, education and analytics to help clients make informed, confident money decisions.
💡
Our Approach
Finance + Education + Analytics — a combination that sets us apart from a regular accountant.
Our Team

The people behind AMAVO

A
Founder
Strategic & Financial Lead
Chartered Accountant responsible for financial advisory, tax & compliance, training delivery, business development and strategic direction.
B
Analytics Lead
Business Analytics Division
Specialist in financial data analysis, KPI dashboards, performance reports and data-driven strategy for small business clients.

Want to work with us?

Get in touch to discuss how AMAVO can help you build financial clarity.

Get in Touch →
What We Offer

Our Services

Comprehensive financial advisory, education and analytics services built for UK freelancers, sole traders and small businesses.

Personal Finance

Services for individuals

📊
Budget Planning
Build a practical budget that works for your income and lifestyle.
  • Income and expense analysis
  • 50/30/20 framework application
  • Savings goal setting
  • Monthly review structure
📝
Tax Return Support
Self Assessment preparation — paying exactly what you owe, no more.
  • Self Assessment preparation
  • Allowable expense review
  • HMRC compliance guidance
  • Year-round tax planning
🎯
Financial Goal Setting
Define and build a clear roadmap to your financial goals.
  • Short and long-term goal planning
  • Savings strategy development
  • Debt structuring guidance
  • Progress tracking system
💳
Debt Guidance
Understand your debt and build a structured plan to manage it.
  • Debt review and categorisation
  • Repayment strategy planning
  • Good vs bad debt education
  • Credit management guidance
Business Services

Services for businesses

🏢
Small Business Support
End-to-end financial support for sole traders and small business owners.
  • Business registration guidance
  • HMRC & compliance support
  • Basic bookkeeping oversight
  • Cash flow monitoring
📈
Business Analytics
We help you understand what your numbers mean and what to do next.
  • KPI development & dashboards
  • Sales trend analysis
  • Budget vs actual review
  • Data-driven strategy sessions
🚀
Startup Guidance
Get your finances structured correctly from day one.
  • Business structure advice
  • Financial setup and systems
  • HMRC registration support
  • Early-stage financial planning
🎓
Financial Literacy Training
In-person and online training for schools, youth organisations, universities and corporate teams.
  • School & sixth form workshops
  • Youth organisation programmes
  • University student sessions
  • Corporate youth training
  • Community group webinars
Training Spotlight

Financial literacy for schools & youth organisations

We partner with schools, sixth forms, youth clubs and community organisations to deliver engaging financial education young people can use immediately.

🏫
Schools & Sixth Forms
Curriculum-aligned sessions on budgeting, tax and money management for students aged 14–18.
👥
Youth Organisations
Tailored workshops for youth clubs, faith groups and community organisations across the UK.
🎓
Universities
Practical sessions for students on managing income, budgeting and financial independence.
🏢
Corporate Youth Programmes
Employer-sponsored financial literacy for apprentices, graduates and early career professionals.
Enquire About Training →

Not sure which service you need?

Book a free consultation and we'll help you figure out the right starting point.

Book a Free Consultation →
Digital Products

Tools Built for UK Freelancers

Practical, ready-to-use financial tools designed specifically for sole traders and small business owners.

Now Available

AMAVO Finance Tracker Pro

A fully built Excel workbook that tracks income, expenses, invoices and tax — all in one place.

£12.99 — One-Time Payment
Your Complete Financial Operating System
Built for the 2026/27 UK tax year. Works with Excel and Google Sheets. No setup required.
  • ✓
    Dashboard — income, expenses, profit & unpaid invoices at a glance
  • ✓
    Income Tracker — Paid / Unpaid / Overdue status
  • ✓
    Expense Tracker — HMRC Self Assessment categories
  • ✓
    Tax Calculator — Income Tax & Class 4 NI auto-estimated
  • ✓
    Cash Flow Statement — monthly money in vs out
  • ✓
    Invoice Log — auto numbers, due dates & overdue alerts
  • ✓
    4 live charts that update as you enter data
Get Yours — £12.99 →
AMAVO Finance Dashboard2026/27
Income tracked
Expenses logged
Tax pot saved
Turnover£6,000
Allowable expenses-£480
Tax estimate-£1,038
Net profit£4,482
Coming Soon

More tools on the way

We're building a suite of practical financial tools for UK freelancers and small businesses.

Get Notified When New Tools Launch
Financial Literacy Events

Learn. Apply. Grow.

Free and accessible financial literacy events for students, professionals and business owners across the UK.

Next Event

Mastering Your Money

Our flagship session — practical, jargon-free and completely free to attend.

🎟 Free Event — Limited Spaces
Mastering Your Money: Practical Financial Strategies for Everyday Life and Business
📅 Saturday 25 July 2026
🕙 11:00 AM – 12:30 PM GMT
💻 Online — join link sent on registration
🎟 Free — register now to secure your spot
Register on Eventbrite →
What You'll Learn

Walk away with 5 things

💰
Smart Budgeting
Take control using the 50/30/20 framework and the save-first principle.
📈
Financial Planning
Set clear goals and build repeatable habits that compound over time.
💸
Cash Flow Management
Understand where your money goes and take back control.
🏢
Business Finance
Practical strategies for freelancers managing irregular income and tax.
💡
Financial Confidence
Leave with clarity and tools to make better decisions this week.
📋
Your Action Plan
A clear 5-step personal action plan to implement immediately.

Spaces are filling up.

Register now to secure your free spot.

Register Free on Eventbrite →
Free Resources

The AMAVO Blog

Free articles, guides and financial insights to help UK freelancers, sole traders and small business owners make smarter money decisions.

All Articles

Read. Learn. Apply.

💷
Tax
What Your Tax Code Actually Means
Most UK employees have no idea what their tax code means — or that a wrong one could cost hundreds.
5 min readRead →
📊
Budgeting
Turnover vs Profit: The Difference Every Freelancer Must Know
Earning £6,000 a month but feeling broke? Here's the most common misconception for UK sole traders.
4 min readRead →
🚨
Self Assessment
Emergency Tax Codes: What They Are and How to Fix Them
If you see W1, M1, BR or X on your payslip, you could be overpaying tax by over £3,000 a year.
6 min readRead →
💳
Debt
Good Debt vs Bad Debt: What Every UK Freelancer Needs to Know
Not all debt is bad. But unmanaged debt always is. Here's how to tell the difference.
5 min readRead →
💰
Cash Flow
The Gap Between Income and Financial Stability
You can earn £4,000 a month and still feel broke. Here's why — and the system that changes everything.
7 min readRead →
📱
Spending
The 24-Hour Rule: One Habit That Will Save You Money
Digital spending and BNPL are designed to make you spend without thinking. Here's how to fight back.
4 min readRead →
Get in Touch

Let's Talk About Your Finances

Book a consultation, ask a question or find out which service is right for you.

Contact

We're here to help

Whether you're a freelancer, sole trader, small business owner or a school looking for a training partner — we'd love to hear from you.

🌐
Website
www.amavoconsulting.com
📸
🎵
💼
▶

Send us a message

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