Business Owners
For most owners, the business is where the wealth is. We help you build the business you want and the personal security that should come with it.
Where we start
Business owners often plan their company and their personal finances separately, with different advisers, and at different speeds. The two are connected. How fast you grow, what you take out and when you plan to step back all change what you can do personally.
We begin with what you want the business to do, then build a forecast of your personal finances around it. That shows how much you need from the business, how much of it to leave in, and what has to be true for your plan to hold.
The business ambition and the personal plan are then decided together, in the same room.
Case Study ExamplesHow we help
These cover the life of a business, and each one is planned against your own forecast.
Protection
A business is usually your biggest asset and your main source of income. If something happens to you or to a key person, we want the business, and the people who rely on it, to carry on.
Alignment
What the business can pay you shapes your personal plan, and what your plan needs shapes what the business has to deliver. We forecast both together, so every decision is made with the whole picture in view.
Tax treatment depends on individual circumstances and may change in future.
Pensions
A small self-administered scheme (SSAS) can give company directors more say over how their pension money is invested. In some cases it can also support the business itself.
A SSAS is not suitable for everyone.
Exit planning
Selling, passing on or stepping back from a business is rarely a single event. It works best when it is planned for years ahead, and when you know exactly what you need it to deliver.
Tax treatment depends on individual circumstances and may change in future.
How it works
Where do you want the business to be, and by when? Growth, income, succession or sale: we start with what you are aiming for.
We build your personal forecast with you, in the meeting, and change it as we talk. You see what the business needs to provide and what you can afford to leave in it.
We test the business projections and the personal ones, including the ones that feel comfortable, so the plan holds when things do not go to script.
We set the pension, protection and investment decisions to match the plan, then review it each year against what the business has actually done.
Start with the ambition
