Business Financial Planning

The value of pensions and investments can fall as well as rise, you may get back less than you invested.EIS’s and VCT’s invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Business financial planning & tax planning is something that all businesses should be doing:

A simple example of how we help businesses is by working with Shareholders and Directors to reduce the amount of corporation tax a business might need to pay by advising on what pension contributions could be made and when in line with the HMRC rules. This is simply called business tax planning

Another couple of examples of how we might help a business is by setting up group schemes for the benefit of the employees. This is proven to help with key employee retention. Or, by setting up insurance policies in a tax-efficient way for shareholders and company directors.

Maximising profitability is obviously very important for businesses and if you are not looking at how your business can operate efficiently, then you probably should be.

There is of course overlap between what your accountant does for your business and what a financial adviser might do, so, it is important to understand how a financial adviser can add value to your business; Essentially, we help businesses with protecting and growing assets, during the wealth accumulation stage and beyond.

We differ from other advisory firms in that we provide truly joined-up financial advice, meaning that we understand what ‘financial planning’ comprises of, i.e. working with a quality financial adviser, accountant & possibly legal firm, depending on your requirements. We bring these threads together to join up the dots and ensure that nothing is missed from your business and personal financial plan.

For more information, please get in touch.


Auto Enrolment is a government initiated scheme that makes it compulsory for all businesses to have a pension scheme in place for its employees...

Corporate Finance

Corporate Finance is a broad subject that involves planning how to structuring a business, capital raising, looking at mergers and acquisitions and management-buy-outs...

Directors Pension Schemes

Essentially, they permit a small group of trustees appointed by the company to decide how to invest the funds...

Directors Income Protection

If you are a Director and / or Shareholder in a Ltd company and you are concerned about what might happen to your loved ones in the event...

Group Pensions Schemes

A Group Pension Scheme is a scheme set up by the employer and run by a pension provider, the pension remains a contract...

Key Person Cover

Are you a key person in your business and / or are there others in the business who are key...

Relevant Life Cover

If you run a limited company, large or small, you can benefit from taking out a Level Term policy in a tax efficient way...

Shareholder Protection

If you run a limited company and are one of two or more shareholders, you should consider taking out a shareholder protection policy...

Death in Service Cover

Death in service cover ensures that the nominated beneficiary will receive a lump sum which is based on an agreed multiple of the deceased employee’s salary. The cost of this to the employer depends on the multiple that is used.

Group Private Medical Insurance

PMI is becoming increasingly important as the NHS is subject to more strain and funding difficulties. Essentially, if you have an acute illness that requires treatment quickly, your PMI policy should cover it.

Business Tax Planning

As a small business owner, I understand the reality of paying corporation tax and how it can affect your business. My team and I will provide and implement simple tax advice to help you grow your business and develop your income, when it matters.

Business Property Relief, Enterprise Investment Schemes & Venture Capital Trusts

BPR essentially means that a qualifying trading company is exempt from IHT under HMRC rules. This IHT exemption can be retained by using relatively simple planning methods.

Contact us to discuss your financial future

Contact Us

Cookie Consent with Real Cookie Banner