Financial planning for you and your business
Running a business can mean your personal and business finances become closely connected. Decisions about how you take income, build wealth and plan for the future can have implications beyond the business itself.
We work with business owners to bring their personal and business finances together, helping them build a financial plan around their family, lifestyle and longer-term ambitions.
Bringing your personal and business finances together
Your business may be one of your most valuable assets and an important part of your family's financial future. Financial planning can help you consider your personal finances alongside the decisions you make within the business.
Pensions & retirement
Building retirement wealth alongside your business and considering how pension contributions could form part of your longer-term planning.
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.
Investments & personal wealth
Building and managing wealth outside the business, with investments structured around your goals, timescales and attitude to risk.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Protecting the business
Considering the financial impact that death or serious illness could have on the business, its owners and their families, including areas such as key person and shareholder protection.
Personal & family protection
Helping you consider how your income, borrowing and family's financial security could be protected if circumstances change.
Planning for your future
Considering how the wealth you build through your business fits alongside your personal goals, including retirement and eventually stepping back from or exiting the business.
Financial independence
Using financial planning and cashflow modelling to understand how your personal and business wealth could support your longer-term plans.
The Financial Conduct Authority does not regulate cashflow modelling.
Looking beyond the business
Running a successful business can demand much of your attention. Our role is to help you look beyond the day-to-day business finances and consider what you're ultimately building that wealth for — whether that's greater financial independence, retirement, supporting your family or simply having more choice in the future.
Financial planning beyond your business
Your business may be central to your finances today, but ultimately it should support the life you want to build outside of it.
We help you bring your business and personal financial planning together, so you can understand how the decisions you make today could affect your family, your future and your longer-term financial independence.
Ready to discuss your financial plans?
Arrange an initial conversation to discuss you, your business and what you want to achieve in the future.