Holistic financial advice for business owners
We collaborate with business owners to document their personal and commercial plans, clarify the financial data, and prepare for future decision points.
Our Services
- Tax efficient extraction of profits from limited companies to boost directors' retirement provisions*.
- Help with planning how to exit a business and to ensure sale proceeds are invested in the most tax efficient way with inheritance tax mitigation** in mind.
- Business protection advice such as key person cover, shareholder protection and relevant life cover. The aim is to ensure that if a key company stakeholder dies or is diagnosed with an illness, the business has a cash boost to pay for recruitment, to buy the deceased shareholder's shares back from the family, to ensure any debts called are covered and to make sure day to day business operations are not disrupted.
* A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. The tax treatment is dependent on individual circumstances and may be subject to change in future. The value of units can fall as well as rise, and you may not get back all of your original investment.
** Inheritance Tax Planning is not regulated by the Financial Conduct Authority.
What to expect
Preparation
We collect key documents and statements relevant to the business and personal balance sheets, ensuring the scope remains clear.
Review
Outputs summarise how business assets interact with personal planning, noting questions worth answering before any decisions are taken.
Next steps
We outline a series of suggested topics to explore with your wider advisers so you can coordinate advice across legal, tax and other specialists.
How to get started
Share any relevant financial summaries plus a description of the decisions you are considering. We will then provide a clear overview of the required data and timelines.