For business owners thinking past the next quarter.
Personal and business wealth treated as one picture. Considered advice for owners who want their financial life to keep pace with their business, not lag behind it.
Owners whose personal wealth and business interests are difficult to separate, and whose advice rarely reflects that.
Our business owner clients usually run companies they have built themselves. Capital is tied up in the business, in property, in pensions, and in personal investments, and the relationships between those pots are rarely clean. A decision in one almost always affects another.
Most have an accountant they trust on the business side and a patchwork of arrangements on the personal side. What they are missing is a single adviser holding the joined-up view, asking the questions that connect the two, and making sure the long-term plan keeps pace with the business.
The questions that sit between the business and the rest of life.
These are rarely product questions. They are the questions that decide what the personal financial life should look like once the business is no longer the only story.
Concentration risk
Most of the wealth sits inside the business. The plan needs to take that seriously, both while you continue to run it and as you start to step back.
Drawing income tax-efficiently
Salary, dividends, pension contributions, and director loans each have their own tax treatment. Used together, they can carry you a long way. Used in isolation, they leak value.
Planning for an exit
Whether you sell, hand on, or wind down, the moment you stop owning the business is one of the largest financial events of your life. It deserves a plan that starts years before the deal, not weeks after.
Life after the business
Once you no longer run the business, what is the wealth for, and how does it produce the income, capital, and legacy you want from the next chapter?
Personal and business held in one shared view.
We start by sitting at the join. We work with you and your accountant to bring the personal and business pictures into one shared view, so every decision can be taken against the whole.
The plan addresses the patterns that affect business owners specifically. Tax-efficient income across salary, dividends, and pensions. Concentration risk and how to begin diversifying without triggering events. Pre-sale and post-sale planning. Cross-shareholder agreements, key person cover, and family employment where relevant.
Once the plan is in place, we hold the long view. The relationship is led by one senior adviser who knows your business, knows your family, and knows the plan. Reviews happen as the business and your circumstances move, not on a fixed schedule.
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Arrange a private conversation.
We will take the time to understand your situation and outline how we can help.