Call 01795 428 928 - Email

Our Team

Meet the team behind CT Associates.

Khush Saggu

Khush became part of the Firm in June 2014 when he and his Father, Jags, took over the Practice.

He qualified as one of the UK’s youngest Chartered Accountants with a Top 20 Accountancy Firm in Central London. He has gained expert knowledge in many areas of accounting, auditing, taxation and corporate finance, across many industries working with small owner managed businesses (SMEs) to large multinational conglomerates.

Now his role, as well as managing the Firm, is acting as a Business Adviser to a wide-ranging client base, assisting them to achieve their true potential. No client is too small and, every client is an asset!

Outside of work, if Khush ever gets any spare time, he enjoys racing cars at track day events, travelling the world, and is a keen DIY-er.

Jags Saggu

Jags became part of the Firm in June 2014 when he and his son, Khush, took over the Practice.

With over 30 years of experience in the Accounting and Taxation world, his wealth of knowledge across all industries has been key to ensuring clients receive the best, most tax-efficient advice to make their businesses thrive.

Nowadays, he takes more of a back seat in the running of this Practice, popping in every now and then to ensure everyone is still working hard!

Outside of work, Jags enjoys spending time with his family and is involved in many charitable foundations.

Donna Swarbrick

Donna joined the Firm in June 2007 originally as an office junior working her way up to the Practice Administrator, in charge of literally everything!

She is the first smiling face you meet as you enter the office and she is in charge of all administrative duties for the Firm and Clients alike. Part of her role also covers Marketing and Business Development for the Practice.

She is also one of the qualified First Aiders for the Firm.

When Donna is not working, she is running around after her very energetic young son, enjoys days out with her family, is a keen photographer, enjoys reading, taking in stray cats and spends all other spare time cleaning!

Janet Berry

Janet originally joined the Firm in August 1997 and is the Practice Manager.

She looks after all aspects of accounts and tax returns and the general ticking over of the production line. Over the years, she has gained valuable knowledge in accounting, VAT, book-keeping and taxation. Her speciality involves tackling the difficult jobs no-one wants to do – if she can’t do it, no-one can!

Outside of work, Janet enjoys reading her Kindle, baking, gardening and a good old pub quiz!

Chris March

Chris joined the Firm in September 2007 and is part of the Accounts and Book-keeping team.

Over the years at the Firm, he has worked with clients from many different industries and has an ever-expanding knowledge of accounting, VAT and book-keeping.

He is also one of the qualified Fire Marshals for the Firm.

Outside of work, Chris enjoys beer, food and holidays as well as watching football, cricket and horse racing! More recently and, to the shock of the rest of his colleagues, Chris has become a huge Love Island fan… we shall say no more…

Sandra Bryant

Sandra joined the Firm in June 2012 heading up the Payroll Department.

She has built up knowledge and experience within all areas of Payroll, Pensions and the Construction Industry Scheme (CIS). Working with all clients from all industries, she is able to cater to client-specific needs.

She is also one of the qualified Fire Marshals for the Firm as well as the resident spider catcher!

Outside of work, Sandra attends regular gym classes, goes running, enjoys trips out in her caravan and loves cats, cupcakes, shoes, shopping for shoes and gin!

Jackie Day

Jackie joined the Firm in November 2016 and is part of the Accounts and Book-keeping team.

She works with many different clients assisting mainly with their VATs and book-keeping services. She also gets involved with the year-end accounts for clients.

She is also one of the qualified First Aiders for the Firm.

Outside of work, Jackie is a Prosecco Queen who likes a good hot curry, wine and holidays, but hates the gym.

Chey Hardy-Todd

Chey joined the Firm in August 2015 and is part of the Accounts and Book-keeping team.

Originally joining as an Apprentice, Chey helps out across all aspects of the office including administrative duties but now primarily assists with VATs and book-keeping services for a wide range of clients.

Outside of work, Chey likes to play football, is a massive Arsenal fan, enjoys attending Festivals and is usually found eating McDonald’s for his lunch every day!

Val Heintz

Val joined the Firm in January 2020 and is part of the Accounts and Book-keeping team. 

She works on Accounts and Taxation work across clients of many different industries and has well all-rounded knowledge when it comes to all aspects of accounting, VAT and book-keeping.

Outside of work, Val is a keen gamer, enjoys reading, cooking, ‘eating more than she should’ she says, and taking walks.


Buster is our adopted Office Cat, he joined us in March 2018 and is the stress relief team. 

He is over 13 years old and loves to spend most of his day in the office sleeping, eating and drinking milk. 

Outside of work, we have no idea where he goes although we hope he goes back to his family that live over the road.