Laura Michelle Davis
Chartered Tax Adviser (CTA)
ACCA · CTA (Chartered Tax Adviser) · ATT · BSc Economics, UC Berkeley
Laura Michelle Davis is a Chartered Tax Adviser (CTA) who also holds the ACCA and ATT qualifications and a BSc in Economics from UC Berkeley. She specialises in UK personal tax, covering income tax, National Insurance, self-employment and capital gains, and has built her career making complicated rules easy to follow. At TaxFly, Laura writes and edits the tax guides and explainers, checking that figures reflect current HMRC rates and that every explanation answers the question a real person is actually asking. Her goal is plain-English clarity you can trust and act on.
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Guides by Laura Michelle Davis (24)
How to Find Your National Insurance Number (Online, App or Post)Residence Nil Rate Band: The Extra £175,000 for Leaving Your HomeNational Insurance Credits: Who Gets Them Free and How to ClaimCheck Your National Insurance Record and Fix the GapsHMRC Personal Tax Account: What You Can Check, Claim and FixGifting Money to Children: The £3,000 Rule and Gifts Out of Normal IncomeWhen Do You Pay 40% Tax? The £50,270 Threshold ExplainedHow Far Back Can HMRC Go? The 4, 6 and 20-Year RulesHMRC Scam Texts, Calls and Emails: How to Spot a FakeNational Insurance Category Letters: What A, B, C, H, M and Z MeanPension Annual Allowance 2026/27: the £60,000 limit, carry forward and the taperPension recycling rules: when paying your tax-free lump sum back in is taxedPension or ISA: which is actually better for retirement?Small pension pots: the £10,000 rule and trivial commutationAutumn Budget 2026: Predictions, Likely Tax Rises and What to ExpectWhy Pensioners Are Getting Surprise HMRC Tax Bills in 2026State Pension Top-Up: Is Buying Back Missing National Insurance Years Worth It? (2026)Stealth Tax: Frozen Tax Thresholds to 2031 and Fiscal Drag ExplainedPension Salary Sacrifice: How It Works and How Much You SavePension Tax-Free Lump Sum: How the 25% Rule Works (2026/27)How Pensions Work in the UK: A Complete Beginner's GuidePension Drawdown Explained: Income, Tax and Risks (2026/27)Pension Tax Relief Explained: How to Get Up to 45% Back (2026/27)UK Income Tax Rates and Bands 2026/27: A Plain-English Guide