Services / Business Financial Services

Business Financial
Services

Financial advice that works across the boundary of your business and your personal wealth — because for most business owners, the two are inseparable.

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Overview

Where personal and business finance meet

Running a business creates a set of financial decisions that most advisors aren't equipped to handle — because most advisors work in either personal finance or corporate finance, rarely both. Business owners sit at the intersection.

How should you pay yourself? When should profits stay in the business and when should they be extracted? How do you build personal wealth when most of your net worth is tied up in a business you can't easily sell? What happens to the business if a key person dies or becomes unable to work?

We've built a practice specifically to address these questions — coordinating advice across director remuneration, pension strategy, protection, and eventual exit in a way that's genuinely joined up.

Business financial planning

The business owner challenge

Common challenges we help business owners navigate

The financial decisions facing business owners are genuinely more complex than those facing employees — and the stakes are higher, because personal and business wealth are deeply intertwined.

  • Illiquid personal wealth
    Most of the net worth is in the business, which can't be easily sold or diversified. We help build personal wealth alongside the business, not just inside it.
  • No employer pension contributions
    Unlike employees, business owners don't receive employer pension contributions — but the business itself can contribute on their behalf, often more tax-efficiently.
  • The single-asset problem
    When one business represents 80% of your wealth, you have a wealth concentration challenge — regardless of how well it's performing. We help plan the diversification.
  • No financial safety net
    There's no sick pay, no HR department, no redundancy protection. If you can't work, the business and your personal income both suffer — often simultaneously.

Service areas

Four areas where business owners need specialist advice

01

Director remuneration & extraction

The most tax-efficient way to take money from your company changes regularly — and depends on your personal tax position, the business's profits, your future plans, and the interaction with pension contributions.

  • Salary vs. dividend optimisation
  • Pension contribution from company profits
  • Retained profits strategy
  • Coordination with your accountant
02

Executive pension planning

Company pension contributions are one of the most effective ways to extract value from a profitable business. We advise on self-invested and executive pension structures for greater control and flexibility.

  • Self-invested & executive pension structuring
  • Company contribution strategy
  • Pension contribution allowance planning
  • Group pension schemes for employees
03

Business protection

What would happen to your business if a key employee, director, or co-owner died or became seriously ill? Business protection covers the financial consequences — and in many cases, the premiums are tax-deductible.

  • Key person life and critical illness cover
  • Shareholder protection agreements
  • Relevant life cover (tax-efficient)
  • Partnership protection
04

Business succession & exit planning

Eventually, every business owner exits — whether by choice or necessity. The earlier you plan for it, the more options you have. We help structure a business and personal wealth strategy that makes the transition as tax-efficient and smooth as possible.

  • Business relief and inheritance tax planning
  • Management buyout and succession planning
  • Capital gains tax deferral and business exit relief
  • Post-exit wealth management

Who this is for

Business services are right for you if...

  • You're a director of a limited company and want to extract profits more tax-efficiently
  • Your business is profitable and you want to understand how much should stay in the company vs. be taken out
  • You have business partners and haven't put shareholder protection in place
  • You're thinking about the future of your business — sale, MBO, succession — and want to plan ahead
  • You're growing a team and want to offer competitive employee benefits including pension and group protection

We work closely with your accountant and solicitor — we don't replace them, but we coordinate the financial planning element so the advice you receive on remuneration, pension, tax and protection is genuinely joined up rather than coming from three different advisors who haven't spoken to each other.

Our business financial advice is most valuable when integrated with your personal financial plan — particularly retirement planning, estate planning, and wealth management — which is why we look at both together from the start.

Often combined with

Related services

02
Retirement Planning
Pension planning for directors →
 03
Protection & Insurance
Key person and shareholder cover →
 05
Estate & Legacy Planning
Business Relief and exit planning →

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your business finances

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