Our Advisers support entrepreneurs and small business owners who want clarity and confidence in managing their personal finances alongside their business endeavors.
Owning a business brings uncertainty - from fluctuating income to greater personal financial exposure but it also provides flexibility and opportunities that employed individuals may not get. We recognise that business owners are time-poor, so we deliver focused, bespoke planning, designed to support long-term personal security and ultimately build wealth.
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Dedicated Advisers
Our approach is ‘dual adviser’: you will be supported by both a Wealth Planner, to structure your assets to maximise tax-efficiency, and an Investment Manager, to build and manage your portfolio, optimising performance and controlling risk.
Our role is to advise on the personal financial impact of business ownership, working alongside your company accountant and other professional advisers where appropriate.
Capital at Risk
Capital at Risk
Please do remember that as with all investments, your capital is at risk. Past Performance is not an indication of future performance.
Managing your personal cash flow
We use cashflow modelling to assess your long-term financial picture and the affordability of your lifestyle. We can also model scenarios where you may be unable to draw from the business, helping to maintain financial stability wherever possible.
Lumpy income can make it more difficult to use your tax allowances effectively and avoid missing opportunities. We help prioritise allowances that might otherwise be lost, while planning for others to be carried forward where appropriate.
We keep you informed of relevant tax changes and explain how they directly impact you.
Managing your business cash flow
We offer corporate investment accounts (subject to business suitability), in which surplus business cash can be invested or to hold reserves for medium to long-term cash flow needs.
Personal Financial Protection
Financial protection looks different for business owners compared to employed individuals. While many consider the impact of death or long-term sickness on their business operations, they often overlook the financial consequences for themselves and their families.
We assess the financial protection you need (such as Income Protection or Life Cover) to safeguard your own interests and help you get this in place cost-effectively, whether as a business-provider or personal cover.
Preparing for retirement
Retirement planning for business owners can require a different approach, as much of your wealth may be tied up in your company.
When in the accumulation phase of life, we advise on the use of your tax allowances to build pots that can be accessed effectively in retirement. We review your pensions and identify opportunities to extract wealth from your business through employer contributions (where deemed appropriate by your company accountant).
We can help you to establish the affordability of retirement under different business exit or slowdown scenarios.
As you move into retirement, we advise on how and when to draw an income from your pensions and other investments, integrating this with any ongoing profit you continue to draw from your business.
Capital at Risk
Capital at Risk
Please do remember that as with all investments, your capital is at risk. Tax treatment depends on individual circumstances and may be subject to change.
Impact of a business exit
Whilst we do not advise on business exits themselves, we help entrepreneurs manage the financial impact of major business events and work closely with corporate advisers to keep business decisions aligned with your personal strategy wherever possible. This includes planning for the use of proceeds following a business exit, ensuring that shares qualifying for Business Relief are considered within your wider estate and Inheritance Tax planning, and assessing the personal planning implications of structures such as Family Investment Companies. We also advise on the considerations of gifting business interests, whether to individuals or into trust.
Legacy planning
We understand that conversations around succession and legacy aren’t easy, which is why taking the time to plan ahead is key. We help you work through any concerns and articulate your intentions, forming the framework of a long-term financial plan for you and the next generation, supported by the appropriate legal documentation prepared by your solicitor.
Find out more about our approach to legacy and intergenerational wealth transfer here.
Contact us
If you are an entrepreneur or small business owner, get in touch to see how we can help you.
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