Financial Advice for Business Owners
Running a business brings unique challenges and opportunities, especially when it comes to managing finances. Whether you’re focused on growth, preparing for the future, or navigating complex tax and investment decisions, tailored financial advice can make all the difference.
Financial Advice for Business Owners
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
Running a business brings unique challenges and opportunities, especially when it comes to managing finances. Whether you’re focused on growth, preparing for the future, or navigating complex tax and investment decisions, tailored financial advice can make all the difference. This guide explores key areas where financial advice can empower business owners.
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As a business owner, your personal and business finances are often deeply intertwined. Professional financial advice can help you:
- Optimise your tax strategy.
- Plan for retirement and succession.
- Build wealth through investments.
- Manage cash flow and unexpected challenges.
Financial planning ensures your business supports your personal goals, whether that’s securing your family’s future, funding new ventures, or achieving financial independence.
- Tax Planning Business owners face complex tax obligations, from Corporation Tax to personal income tax. A financial adviser can:
- Ensure your business structure is tax-efficient.
- Advise on salary vs. dividends.
- Help you utilise reliefs such as Business Asset Disposal Relief (BADR).
- Pensions and Retirement Planning Building a robust retirement plan is essential for securing your future. Options include:
- Setting up a Self-Invested Personal Pension (SIPP).
- Using your business to fund your retirement.
- Planning an exit strategy that aligns with your retirement goals.
- Succession Planning Whether you plan to sell, pass the business to family, or transition leadership, succession planning protects your legacy. A financial adviser can:
- Prepare your business for sale.
- Navigate the tax implications of succession.
- Develop strategies to maximise value.
- Wealth Management and Investments Growing your wealth outside the business is vital for diversification. Advisers can:
- Recommend investment strategies tailored to your risk profile.
- Identify tax-efficient options like ISAs and EIS investments.
- Plan for long-term goals, such as property acquisition or philanthropy.
- Risk Management Protecting your business and personal wealth from unforeseen events is crucial. Financial advice covers:
- Business continuity planning.
- Insurance strategies for key personnel.
- Contingency planning for economic downturns.
- Exit Strategy Planning your exit is one of the most important financial decisions you’ll make. An adviser can:
- Evaluate your business’s value.
- Structure the sale for maximum tax efficiency.
- Help you transition to a new chapter with confidence.
Use our free calculator to find out how much you need in your pension
Pensions & Retirement
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
Check out our articles, tips and guidesto make sure your retirement pot lasts thedistance.
Button TextEngaging a financial adviser helps you:
- Make informed decisions with a clear strategy.
- Save time and reduce stress by outsourcing complex financial planning.
- Gain peace of mind knowing your finances are optimised for growth and security.
Navigating the financial complexities of business ownership doesn’t have to be daunting. Our regulated financial advisers specialise in helping business owners like you plan for growth, succession, and long-term security.
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Personal Finance Tips and Guides
Learn about the decree nisi in UK divorce proceedings: what it is, how to apply, its role in the divorce process, and the steps to take after it is granted.
Explore the potential changes to the pension tax-free lump sum in 2024, including the possible scrapping or capping of the 25% benefit.
A Letter of Authority lets your adviser access key information, streamlining the financial advice process for accurate and comprehensive guidance.
Wondering what a SIPP is? Learn how a Self-Invested Personal Pension (SIPP) works, its tax benefits, and why it could be a smart choice for your UK retirement.
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