As fellow business owners, we know the challenges you face.

That’s why our advice isn’t just theoretical—it’s tried, tested, and proven in our own experience. We understand how demanding your time is, and that personal financial planning often takes a back seat. That’s where we come in.
With our expertise, we’ll help you create a clear, practical financial plan that supports both your business and personal goals—without adding to your workload.

Here’s some ideas on how we can help you:

Retirement planning

Pension contributions are a great way to extract money from the business, potentially reducing corporation tax, and contributing towards a ready-made exit strategy.’

Dependant upon your circumstance, if it were considered appropriate another potential option for pension planning is to purchase your office or commercial property with your retirement fund.

Personal & Business protection

Protection planning for business owners is all about safeguarding your business, your income, and your family’s financial future if the unexpected happens—such as illness, injury, or even death.

It involves putting the right insurance and legal arrangements in place to ensure continuity and security.

Often recommended is Relevant Life over

A potentially tax-efficient way for businesses to provide life insurance for directors or employees. It doesn’t count as a benefit-in-kind and the premiums can usually be claimed as a business expense.

  • The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
  • A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.
  • Levels and bases of, and reliefs from, taxation are subject to change and their value will depend upon personal circumstances. Taxation and pension legislation may change in the future.
  • Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.