This is our most popular package with UK residents, and includes: The submission of forms detailing your company's executive officers The registration of your £1,000 authorised share capital (a minimum of one share must be issued) Company formation is usually achieved within 6-8 workday hours (Companies House permitting) Payment of UK legal and initiation fees The appointment of your own candidates as directors and secretary (a minimum of two people are required) The following documents will be e-mailed to you (Note: these documents are to be printed and signed): Electronic Certificate of Incorporation (PDF) Electronic Memorandum & Articles of Association (MS Word) Minutes of the First Meeting of Directors (MS Word) Share Certificates and company Register
Economy Package
£ 82.00
Annual Maintenance Fee £50.00
This is our most popular package with EU residents, and includes: The submission of forms detailing your company's executive officers The registration of your £1,000 authorised share capital (a minimum of one share must be issued) Company registration is usually achieved within 6-8 workday hours (Companies House permitting) Payment of UK legal and initiation fees The appointment of your own candidates as directors and secretary (a minimum of two people are required) A registered office address for 12 months, provided by Coddan An application form for the following year's renewal of the Registered Office Address service (£50.00) Annual Return and Annual Account reminder The following documents will be e-mailed to you (Note: these documents are to be printed and signed): Electronic Certificate of Incorporation (PDF) Electronic Memorandum & Articles of Association (MS Word) Minutes of the First Meeting of Directors (MS Word) Share Certificates and company Register
Premier Package
£ 131.95
Annual Maintenance Fee £99.95
This is our most popular package with small business, and includes: The submission of forms detailing your company's executive director The registration of your £1,000 authorised share capital (a minimum of one share must be issued) Company incorporation is usually achieved within 6-8 workday hours (Companies House permitting) Payment of UK legal and initiation fees Applicant appointment of director for company (appointed electronically) A registered office address for 12 months, provided by Coddan An application form for the following year's renewal of the Registered Office Address service (£50.00) Nominee company secretary service for 12 months (next year - £49.95) Annual Return and Annual Account reminder The following documents will be posted to you (these documents will be sent via Royal Mail): The original laminated Certificate of Incorporation A bound copy of the Memorandum and Articles of Association The Minutes of the First Directors' Meeting Two printed share certificates and Company Register
Deluxe Package
£ 256.95
Annual Maintenance Fee £224.95
This is our most popular package with overseas residents, and includes: The filing and registration of your company in England The registration of your £1,000 authorized share capital (a minimum of one share must be issued) Company formation is usually achieved within 6-8 workday hours (Companies House permitting) Payment of UK legal and initiation fees A registered office address for 12 months, provided by Coddan An application form for the following year's renewal of the Registered Office Address service (£50.00) Nominee Company secretarial service for 12 months (next year - £49.95) Coddan provides a company nominee director service for 1 year (next year - £125.00) The name of the nominee director & secretary will appear as a public record Annual Return and Annual Account reminder The following documents will be posted to you (these documents will be sent via Royal Mail): The original laminated Certificate of Incorporation A bound copy of the Memorandum and Articles of Association The Minutes of the First Directors' Meeting Two printed share certificates and Company' Register A pre-signed, undated letter of resignation from the nominee director A General Power of Attorney signed by nominee director An indemnity Letter for General Power of Attorney A nominee service agreement which provides for the indemnification of the nominees
Name Protection
£ 22.00
Annual Maintenance Fee £60.00
The purpose of this package: This package allows you to register a company name with Companies House and thus prevent this name being used to form a company by anyone else This package includes: The registration of a non-trading limited company with your choice of name Payment of UK legal and initiation fees A nominee director A nominee secretary A nominee shareholder A registered office address Management of the company: Coddan will file the annual return and dormant company accounts on your behalf for an annual fee of £60.00 If you do not wish to renew the management option at the end of term, the company will be dissolved
Business Start-Up: Legal Requirements
Company subscribers may be residents outside the UK You must appoint a minimum of ONE Director There is no maximum number of Directors Directors can be corporate bodies or private individuals A Director can be of any nationality Directors need not be formally trained All companies must appoint a company Secretary Secretaries can be corporate bodies or private individuals A Secretary can be of any nationality. If there is only ONE Director he or she CANNOT also be the Secretary A company must have a minimum of one shareholder who may be a corporate body or an individual No minimum paid up share capital A minimum of one share may be issued Capital may be denominated in any currency Shareholders and directors meetings may take place outside Great Britain The company is required to have a registered office in the UK
UK COMPANY INCORPORATION SERVICE. INCORPORATE A LIMITED COMPANY IN ENGLAND, WALES OR SCOTLAND. ADVANTAGES DISADVANTAGES OF LIMITED LIABILITY:
Starting out by selecting the proper business entity (or making sure your existing business is operating in the appropriate form) and knowing what is required, even if the business is very small, will not only make the operation of the business much easier, but will also be beneficial in connection with the potential transition for future expansion, restructuring and securing financing.
The purpose of this article is to provide a general overview of the characteristics of the basic forms of business entities and the requirements for their formation. It is not intended to provide a review, summary, or analysis of all aspects of a particular entity or applicable federal and state regulations, statutes, requirements, and issues in connection with business entity formation. Selection of the form of a business entity is made from variety considerations, including ownership and management structures, tax and limiting liability.
With years of professional experience we have built an excellent reputation for limited company formation. The establishment of a private company in the UK is easy and straightforward. No permission is required to establish a business presence, although there is some regulation of the use of business and trading names. All companies registering in the UK are required to do so with Companies House and have to submit accounts as well as annual returns. Overseas companies establishing a branch or place of business in the United Kingdom must register and file annual accounts.
If you are selling goods or services, you need to consider forming a company or limited liability partnership for your business activities. What is a limited company? What paper work is required to form an LTD? Do I need an attorney to form a company? Simply call us by phone, by fax or via the Internet and incorporate your business online! We provide a full range of products and services to make your business incorporation process as simple as possible.
We also provide services for your needs after companies' incorporation, including our registered address service and of annual return filings. We offer electronic English, Irish and Scottish limited companies incorporation and electronic filing of documents. Your company is incorporated electronically as soon as we receive your details (and payment) it could not be done any more easily or quickly.
Important Links
Use the links below to learn about incorporating your limited company or simply proceed to the incorporation agent to make sure that your preferred company name is available - if it is you can then purchase it using your credit or debit card at a cost of only £32.00. With our new online electronic company registration services you now have more choice on how we form your UK Limited Company. You no longer need to have us acting on your behalf as nominee company officers and shareholders.
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How to Incorporate with Us? Clients can verify whether their proposed name has been registered or incorporated and obtain information regarding business entities and not-for-profit organizations operating in England, Scotland and Northern Ireland by conducting corporate name and unincorporated business name and limited partnership searches of the UK public record.
The Companies House records the name and company number of UK corporate entities that are incorporated, continued, amalgamated or licensed to do business in the United Kingdom. The public record is comprised of companies, which conduct business for profit as well as not-for-profit organizations such as charities.
We review your choice of company name etc., and Companies House make a number of checks (to verify the registered address details etc.,) and your company is incorporated as soon as this process is complete. It can take three hours, it may take twenty-three hours, it all depends on how busy Companies House staff and systems are. We send your package to you by first class recorded delivery, as part of the service. We also offer Nominee Secretary and Registered Office facilities in addition to company incorporation UK.
We will incorporate your company with your intended directors, company secretary, registered office and shareholders all in place and recorded at Companies House at the time of incorporation, although we can of course still use our nominees for incorporation purposes if you prefer. We complete all the minutes, statutory registers and official documents on your behalf, and ensure that all necessary forms and resolutions are correctly filed with the Registrar of Companies. If you have any questions about the company registration then please E-Mail or call us: 0800 081 1510 or +44 (0) 207 637 3881, fax: +44 20 7681 3318. Compare Prices of Various Forms of Companies: I Want to Check Your Packages & Costs
Other Additional Services Full documents, no activation fees, your own officers, freephone help and advice online! Normally the formation or acquisition of a limited company at the beginning is a very quick and informal process. Of course the company will require professional advice and professional services during its development.
Our consultants can help you to start-up your business and support it in many ways during its development. As ancillary services to the formation of UK companies, we can offer you the following services:
Nominee Directors from - £125.00 Nominee Company Secretaries from - £49.95 Nominee Shareholders from - £100.00 Registered Office from - £50.00 Maintenance of Statutory Registers and Filing of Annual Returns Preparation of Special Resolutions from £50.00 Bank Introductions from - £250.00 Day-to-day Administration Telephone Answering Post Office Box Computerised Book-keeping and Production of Periodic Financial Statements Assistance with International Audit Requirements Completion and Filing of Annual Returns from - £90.00 General Power of Attorney Notarial and Apostille Services from £70.00 Open an Online Banking Checking Account Rent Office Space in London UK Work Permits and UK Work Visas International Reinvoicing Services
Our products start from just £32.00 for our E-Quick service. This package offers fast electronic company registration documents and like all of our formation products is usually completed with in three hours. Our Economy English or Scottish limited company set-up not only have a Certificate of Incorporation on the required legal paper, but also has the provision of having your company registered office at our prestigious City of Birmingham, Manchester or London address. As all literature and documents must display the company's registered office, having your registered office at our address can enhance your company's profile in the eyes of both customers and suppliers. You May Use This Form to Register a New Limited Company: Click Here if You Want to Form a Company Online
We appreciate that not everyone likes to place orders over the Internet, preferring to place orders by phone, fax or even post. We are happy to take orders through any of these methods, but prefer to have the order in writing to avoid any possibility of error. This form can be completed on your computer (on screen) and then saved and e-mailed to us. To Download This Order Form Simply: Click Here (Our printable order form is in Excel format. To download, click the right mouse button and "Save target as")
Incorporate a Company Online in Minutes at Lawyer-Free Prices: Coddan was developed by expert attorneys with experience at the most prestigious law firms in the country. We've helped over 50,000 satisfied customers, and our know-how allows us to prepare legal documents quickly and efficiently. Our documents contain advanced provisions that are not found in simple "do-it-yourself" kits or manuals. Coddan lets you take care of common legal procedures without ever leaving your home or office. Our research area contains plenty of helpful guidance. Simply answer an easy-to-understand questionnaire, and Coddan takes care of the rest - no need to download, no need to print.
You will receive the completed legal documents printed on quality acid-free paper. Did you know that 70% of those who try to complete their own legal documents make mistakes? With Coddan, you can rest assured, knowing that your documents are treated with the utmost care and attention. Before you submit your order, Coddan will review the answers you provide on the questionnaire for consistency, completeness, spelling and grammar. Furthermore, our customer service specialists are available to answer your questions by E-Mail or call us: 0800 081 1510 or +44 (0) 207 637 3881, fax: +44 20 7681 3318.
Important Note: The formation of limited companies can take 4-8 hours if applications and payment are received before 11:00 AM London-time and Companies House permitting* (Companies House then aim to respond to electronically filed documents within 4-8 working hours. Although this is not always possible, it does generally mean that if you placed an order before midday on a normal working day we can have your company registered by the end of that same day.
UK LTD Companies from only £32.00! All Inclusive Company Registration. Each limited company package includes all statutory paperwork and is fully compliant with company law. All our private UK companies are general trading companies and can be used to conduct any type of business. A Certificate of Incorporation, and the Memorandum and Articles of Association of your company will be sent to you upon formation of your company. You can appoint your own directors and secretary BEFORE company incorporation. This is absolutely FREE. Our 4-8 hour online incorporation service enables you to register your company quickly and effortlessly. All government and filing fees are included in the cost of our E-Quick pack. All certificates and documents will be sent directly to you via email immediately following the formation of your company. It will take just 5 minutes to complete the online registration form, then your company could be up and running within 4-8 working hours.
THE E-QUICK PACKAGE CAN BE UPGRADED WITH ANY OF THE FOLLOWING FEATURES:
1. Company Pliers Seal - £20.00. 2. Laminated Hard-copy of the Certificate of Incorporation - £5.95. 3. Laminated Hard-copy of the Certificate of Incorporation, Bound Copies of the Memorandum & Articles, and Combined Company Register - £12.95. 4. Domain Name Registration for two years - £16.00. 5. Provision of a Registered Office Address for 12 months - £50.00. 6. Provision of a Nominee Company Secretary for 12 months - £49.95. 7. Certificate of Good Standing - £35.00. 8. Notarisation & Apostille of Documents.
Most companies are incorporated within 24 hours of application although there may be occasions where the process can take longer due to circumstances beyond our control) - from only £32.00 - full documents, no activation fees, your own officers, free phone help and advice online (various packages available).
For our overseas clients, we are able to obtain Certificates of Good Standing and Apostille services at competitive prices. We also provide many additional services which can be ordered using our online order form. If it is essential that you have a company today, formed with the name in which you intend to trade, then you must request a "Same Day Company". Orders must be placed before 13:30 pm, Monday to Friday.
Live Help: Live Help is a real time "chat" feature which enables you to interact with a customer service representative without a phone call. Get answers to your questions while using our website. Clicking the "Live Help" button will start an on-line session with one of our representatives. Live Help is currently available during normal business hours. Outside of the above opening hours, our business center will be closed. When you click on the button, you will see an e-mail form that will allow you to send us a mail with your questions. Live Help is free! There are no hidden fees. We offer the service as a courtesy to our website visitors.
Dear visitors, while having a chat session with a customer, we are frequently requested to give a piece of advice on tax planning or business structuring. We would like to inform you that it is against our principles to provide online advice pertaining to these issues. The points that may be covered during a session include service description, package or service price, navigation at our website, ways of making an order, methods of payment etc. Yet, if you wish us to provide you with advice on tax or business structuring, you should be aware that this service is chargeable. If you have any questions about the company registration then please E-Mail or call us: 0800 081 1510 or +44 (0) 207 637 3881, fax: +44 20 7681 3318.
We have many ready-made companies (aged off-the-shelf companies), which are ready to trade, and can be transferred to you within hours. Click here for our Limited Company Registration costs and full details of our packages for UK companies or call us for free no obligation advice. You May Use This Link to Select a Ready-Made Company:List of Ready-Made Companies
If you own an old dormant company that you never used then we may be interested in buying it from you or selling it on your behalf. The older the company is the better. If you have simply registered a company but then changed your plans we can take it off your hands and offer you payment in return. If you have a company for sale you would like to please E-Mail or call us: 0800 081 1510 or +44 (0) 207 637 3881, fax: +44 20 7681 3318.
INCORPORATING A LIMITED COMPANY. TYPES OF BUSINESS PRESENCE
The law provides for the incorporation of four different types of company: private company limited by shares (LTD) - members' liability is limited to the amount unpaid on shares they hold. Private company limited by guarantee - members, liability is limited to the amount they have agreed to contribute to the company's assets if it is wound up. Private unlimited company - there is no limit to the members' liability. Public limited company (PLC) - the company's shares are offered for sale to the general public and members' liability is limited to the amount unpaid on shares held by them.
For almost all business purposes the form used is the company limited by shares, either as a private limited company (LTD) or as a public limited company (PLC). MOST foreign companies incorporate a private limited company. No consents are needed, no local shareholders or directors are required and no minimum capital rules apply. Certain documents (e.g. Memorandum and Articles) must be filed with Companies House in order to form the company.
ALTERNATIVE BUSINESS MODELS FOR FOREIGN INVESTORS
In addition, investors can also establish a business presence in the United Kingdom through the setting up of a branch or place of business of the overseas company, partnership or joint venture or subsidiary company. Overseas companies can either register as a branch or as a place of business: a branch is part of an overseas limited company organised to conduct business through local representatives in the UK. Constitutional documents and accounts must be in your own language, with (if not in English) a certified translation made in the country where your company was incorporated. A place of business is a premise where there is a physical or visible indication that the company may be contacted there.
An overseas company also has to register if it habitually conducts business from a particular location in the United Kingdom even if there is no physical sign of the company's connection with it.
An overseas company can incorporate a base in the United Kingdom by joining with a British company. Such joint ventures (JVs) are usually with limited companies or as a partnership. Information on possible JV partners may be available from the relevant United Kingdom trade associations. A company that is resident in the United Kingdom is a subsidiary of another company if it is a body corporate, which satisfies the conditions: It qualifies as a 51% subsidiary as defined in ICTA 88/S838 except that the other company is treated as not being the owner.
Of any share capital which it owns directly in a body corporate, if a profit on the sale of the shares would be treated as a trading receipt of its trade. Of any share capital which it owns indirectly, and which is owned directly by a body corporate for which a profit on the sale of the shares would be a trading receipt. Of any share capital which it owns directly or indirectly in a body corporate not resident in the United Kingdom.
By running your business through a limited company you stand to save tens of thousands of pounds in tax and national insurance every year. Why? To start with UK corporation tax rates are much lower than Income tax rates. Secondly, company owners can pay themselves dividends, which are taxed much less heavily than other forms of income. Finally, setting up a company with your spouse allows you to split your income which almost always results in a lower tax bill.
COMPANIES INCORPORATION REQUIREMENTS:
Choose a Company Name: Choose a company name. You cannot use certain terms (without special permission) including Royal, Bank, British and various others. Your name should not be the same or similar enough to be confused with an existing company.
Fill in Form 10 (this Document is Issued Free by Companies House: It is one of the suites of documents required when incorporating a company. Form 10 needs to be completed with the initial directors, the company secretary, and the address of the registered office of the company. The registered office could be in England and Wales, or in Scotland. The company secretary can also be a director, with at least one other person as a director, i.e.: at least two people are required) and Form 12 (this document is issued free by Companies House.
It is one of the suites of documents required when incorporating a company. Form 12 is a statutory declaration that should be signed by one of the directors identified on Form 10. Form 12 should be dated and signed after the other incorporation forms have been completed - as this indicates confirmation of compliance with the company registration rules. It must also be witnessed by a Notary Public, a Solicitor or a Commissioner for Oaths), both are issued free by Companies House, and you can download them directly from this website. Form 12 will need to be witnessed by a solicitor, a notary public or a commissioner for oaths, and not dated until after all other documents have been prepared.
Your registered office is the legal address of the business (not necessarily its trading address) at which Companies House, the Inland Revenue and legal authorities acting on behalf of customers, suppliers and the public can serve official documents and assume that they have been received by the company directors. Details of shareholders and officers must also be available for public scrutiny at this address. Coddan provides the registered office address for your business for the agreed fee, which is renewable annually.
A company registered in England & Wales must have its registered office address in England or Wales and a Scottish company must have its registered office in Scotland. Each can trade freely in the other jurisdiction (and have trading addresses there) but its registered office must always stay in the jurisdiction in which it was originally registered.
Prepare a Memorandum of Association: It sets out: the company's name, where the registered office of the company is situated (in England, Wales or Scotland); and what it will do (its objects). The object of a company may simply be to carry on business as a general commercial company. The company's Memorandum delivered to the Registrar must be signed by each subscriber in front of a witness who must attest the signatures, and your Articles of Association (the Articles of Association are one of a number of documents required to incorporate a company).
This document sets out the rules for the running of the company's internal affairs. Clauses refer to share capital, shareholders, appointment, powers, and termination of directors, as well as other internal procedures. All companies, whether limited by shares or limited by guarantee, as well as unlimited companies must register Articles with Companies House (unless the whole of Table A is being adopted without modification). These are not available from Companies House.
Memorandum of Association which states: the name of the company. The made-up date of the previous Annual Return registered at Companies House. Having the most comprehensive tax treaty network in the world. The company's objects. That the liability of its members is limited. The amount of authorised share capital and its division into fixed amounts. That each member will contribute to the assets of the company if it is wound up; and if applicable, that the company is to be a public company.
The second document is the Articles of Association, which regulate a company's internal affairs and management. They usually include provisions governing: the rights of shareholders. Whether shareholders can transfer shares and rules relating to the issue of new ones. The procedures for general meetings. The powers and duties of directors including their power to borrow; and how dividends are to be paid and reserves held.
The Final Step: Send all documents by post, with accompanying letter to the registrar (the Letter to the registrar at Companies House is one of a number of documents used to incorporate a company. It briefly sets out the documents included, and confirms your wish to incorporate as a company) at Companies House. The full address (for England and Wales is Cardiff, for Scotland is Edinburgh) is on Form 10.
Post-Incorporation: Once you have your company incorporated, you need to have your first directors board meeting (the meeting confirms the incorporation of the company, the names and roles of the directors, adjustments to shareholdings, and (as appropriate) appointment of solicitors, bankers and accountants). The shareholders or their advisers must present these documents, with a filing fee to the Registrar of Companies who will issue a Certificate of Incorporation.
A company is required under United Kingdom Companies Law, periodically, to file prescribed documents.
These include an Annual Return and Annual Accounts. They must be delivered to the Registrar of Companies, who has the duty to make them available for public inspection. The company itself has to make certain documents available for inspection. In some cases this right of inspection is restricted to members of the company. In others any member of the public has a right of inspection. The Annual Return MUST includes prescribed company information including the registered office address, the names and addresses of its directors and its secretary, and the location of the register of members if it is not kept at the registered office. The accounts include: a profit and loss account and a balance sheet.
An auditor's report and a director's report, each containing certain information, must also be prepared and sent to the Registrar with the accounts. These are statutory requirements and unless a company is very small and its affairs simple, professional advice in respect of the preparation of accounts should be obtained. However, special provisions exist for dormant and small to medium-sized companies to deliver modified and less detailed accounts. Many companies with turnover below £90,000.00 can dispense with the statutory audit completely, while those with a turnover between £90,000.00 and £350,000.00 can replace the audit with a simple report prepared by a qualified independent accountant.
Further details are included in leaflet CHN19, available from Companies House. A company is also required under United Kingdom Company Law to file particulars of changes in its directors, secretary, registered office and share capital, or if it wishes to change its name. It is also required to file particulars of mortgages and charges, and copies of special and extraordinary resolutions.
The First Option to Incorporate a Company: Is to go to your accountant and ask them to do it all for you. The downside? Cost. Accountants charge for their services and experience, and LTD company can cost £150.00 or more and for most limited companies formed this isn't needed.
The Second Option to Register a Company: Is to go to UK company registration agent who has already registered a company with their own directors, secretary and shareholder. Benefits of a shelf company. They are ready immediately so if, for example, a company number is required for a contract, then this can be given even before the acceptance of the new directors by Companies House. Next, they are aged - sometimes an entrepreneur will need a company that is not new. One factor against the aged benefit is that because they are 'old', extra annual returns payments may sometimes have to be paid either at the time of acquisition or shortly thereafter.
Coddan understands and caters to the needs of small business owners and entrepreneurs. We realise that you may need to have a company that has been in existence for a period of time. Coddan forms UK companies just for this reason.
Shelf companies are simply companies that are formed, but have never been used. Each shelf company was filed by Coddan for the specific purpose of being a readymade company. Our off-the-shelf companies come with a certificate of incorporation and Memorandum and Articles of Association that have been filed with the Companies House. The incorporation documents for the shelf companies are already in our office and simply need to be completed to allow you to legally use and operate the company. You May Use This Link to Select a Ready-Made Company:Let Me Check Your List of Ready-Made Companies
The Third Option to Form a Company: Is to do it yourself using the old paper based systems. The downsides? You spend time understanding the forms and what they mean, you pay Companies House the £20 administration fee, you pay a solicitor to sign the forms for you and to provide you with the "rules" for your company (called the Memorandum and Articles of Association), which is likely to be at least £30.00-£50.00 and then you hope that Companies House don't reject your registration on a technicality and you repeat the whole process again 2 weeks later.
The Forth Option to Start-Up Your Business: All you need to do is use the free availability check to see if your chosen company name is available. If so, then fill out a few details using the online forms, enter your payment details, and submit your application. No documents to sign. We form companies with you as the first directors, secretary and shareholders. Our online order form is a completely web based application, whereby all the company details are entered into our system and submitted electronic through the Companies House Filing Service. View Our Packages and Prices:All Inclusive UK Limited Company Formation – Packages and Prices
From time to time even the best-run business needs some advice or a second opinion. Healthy businesses plan for the future and having an independent review of your strategy can really help - our consultants act as advisers to many industry sectors and can offer you the benefit of having seen what works and what does not. Using the best accounting, budgeting, planning, and reporting tools, we can ensure that you have all the information you need to face future challenges.
For overseas companies setting up in the United Kingdom, our experience of business practices, taxation, and law within the United Kingdom can save them the considerable time, money, and energy required to establish and grow a business while meeting all of their legal obligations. We can also act as trustees for pension schemes, or alternatively, we can audit your pension scheme accounts, guiding you through the minefield of reporting requirements.
We are always looking for opportunities for your business to reduce its tax liability, with proactive tax planning. We also advise clients on international corporate tax and on issues arising from cross-border transactions, into and out of the United Kingdom.
If you are unsure of the best course of action for your business, Coddan can advise you on the best location and type of business entity, and can tailor a solution to your needs. If you wish to retain Coddan in a professional capacity, you can apply for an initial consultation appointment by following the link below. Book an Initial Consultation:use this form to request an initial consultation with one of our specialists