# Author - Andy Mildner

Last updated: 2026-09-07

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# Andy Mildner (CIMA)

Andy is a seasoned accountant, FD and business coach passionate about helping business owners achieve clarity and confidence. As founder of LYA, he blends proactive accounting, strategic planning and a coaching mindset to simplify complex finances and support smarter decisions at every stage of growth.

#### BLOGS AUTHORED BY ANDY

- [How to Pay Yourself From a Limited Company Tax-Efficiently (2026 Guide for Surrey Directors)](https://loveyouraccountants.com/knowledge/pay-yourself-limited-company-tax-efficiently) — A practical guide for Surrey directors on paying yourself tax-efficiently from a limited company in 2026, covering salary vs dividends, planning ahead, and avoiding common tax and cashflow issues.
- [Can I Change My Accountant Mid-Year? (Yes — and Here’s How It Works)](https://loveyouraccountants.com/knowledge/change-accountant-mid-year) — Changing your accountant mid-year is not only possible - it’s often far simpler than business owners expect. Whether you’re experiencing poor communication, missed deadlines, or your business has outgrown its current support, a new accountant can take over part way through the year with minimal disruption. This article explains how the handover process works, what information is transferred, and why cloud accounting systems like Xero make switching smoother. If you’re based in or near Epsom, working with a local, tech-savvy accountant can make the transition straightforward, stress-free, and better aligned with your business going forward.
- [The Psychology of Money in Small Business Owners](https://loveyouraccountants.com/knowledge/the-psychology-of-money-in-small-business-owners) — Money decisions aren’t always logical. Learn how mindset affects business finances and how to make better choices.
- [How Real-Time Data Transforms Decision Making for SMEs](https://loveyouraccountants.com/knowledge/how-real-time-data-transforms-decision-making-for-smes) — Stop relying on guesswork. Real-time reporting helps SMEs spot issues early, improve profitability and make faster, smarter decisions.
- [How to Save Tax Efficiently as a Small Business Owner](https://loveyouraccountants.com/knowledge/how-to-save-tax-efficiently-small-business-owner) — Worried you’re paying too much tax? Explore practical, legal ways to reduce your bill, improve take-home pay, and plan ahead with confidence.
- [National Insurance Increase from April 2022](https://loveyouraccountants.com/knowledge/national-insurance-increase-from-april-2022) — National Insurance changes can affect both employers and employees. Here’s what the April 2022 increase means for take-home pay, payroll costs, and how to plan ahead.
- [Are you in control of your business](https://loveyouraccountants.com/knowledge/are-you-in-control-of-your-business) — If you’re unsure where the money goes each month, you’re not alone. Learn how to gain control with better reporting, cashflow planning, and real-time financial visibility.
- [The Seismic Shift in Accounting for SME’s](https://loveyouraccountants.com/knowledge/the-seismic-shift-in-accounting-for-SMEs) — Accounting for SMEs has changed dramatically—cloud software, automation and real-time insights are now the standard. Here’s what the shift means and how businesses can benefit.
- [Job Furlough Scheme and Business Grant | Epsom](https://loveyouraccountants.com/knowledge/job-furlough-scheme-and-business-grant-epsom) — Need clarity on furlough support and business grants? This article breaks down what was available, who could claim, and what businesses in Epsom needed to prepare.
- [Furlough Scheme Extension](https://loveyouraccountants.com/knowledge/furlough-scheme-extension) — Need clarity on furlough support and business grants? This article breaks down what was available, who could claim, and what businesses in Epsom needed to prepare.