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For business owners and the teams they lead

We support SME owners, directors and leadership teams across two distinct propositions: personal financial advice for the business owner, and workplace financial wellbeing as a business performance intervention.

How we help businesses

Two propositions, one coordinated approach

Running a business well means thinking about your own financial position and the financial wellbeing of the people you employ. The two are connected, but they're not the same conversation.

Some clients come to us as business owners wanting personal financial planning that reflects how their company affects their wealth. Others come as employers, looking to understand whether financial pressure on their team is quietly costing the business in productivity and retention. We work across both, and where it helps, we join them up.

Choose your starting point

Where would you like to begin?

01

Business Owners

Personal financial planning for SME owners and directors.

When your personal finances and your business are tangled together, decisions in one have consequences in the other. We help directors and owner-managers structure pensions, remuneration, protection and exit so that the business and your personal wealth grow together.

  • Pension and remuneration strategy
  • Exit and succession planning
  • Director and key person protection
  • Business Property Relief (“BPR”), Business Asset Disposal Relief (“BADR”) and Inheritance Tax (“IHT”) for business interests
Explore Business Owners
02

Workplace

Business performance consultancy for SMEs.

Aetas Workplace is a business performance consultancy that helps organisations improve performance through leadership, employee wellbeing, financial wellbeing, employee benefits and technology. Every engagement begins with a no-cost Business Performance Review.

  • Business Performance Review (no cost, no obligation)
  • Pension and benefits review
  • Financial education and one-to-one guidance
  • Ongoing support for sustained improvements
The Aetas ROEI Framework

Are you maximising the Return on your Investment in People?

Most employers invest heavily in salaries, pensions, benefits and training, and rarely measure whether those investments are generating the greatest possible return. The Aetas ROEI Framework is a five-stage methodology that changes that.

Measure your current position. Diagnose where the gaps are. Recommend practical improvements. Implement them with managed support. Measure again.

Explore the ROEI Framework

The five stages

  1. 01Measure, establish your current ROEI baseline
  2. 02Diagnose, identify gaps and their cost
  3. 03Recommend, practical initiatives with commercial rationale
  4. 04Implement, managed delivery through trusted partners
  5. 05Measure Again, track and demonstrate improvement

See the full framework →

When the two come together

Coordinated advice for owner-led businesses

For owners of growing SMEs, the two propositions often work best in combination. Your personal pension strategy interacts with the company's pension scheme. Your succession plan interacts with how your senior team is incentivised and retained. Your protection arrangements interact with the cover the business provides.

Where it helps, our advisers coordinate across both, working with you on your personal plan and with your leadership team on the workplace proposition. The result is a single, joined-up view of how the business and the people in it are supported financially.

Aetas Wealth provides regulated financial advice. Aetas Workplace provides business performance consultancy, employee wellbeing, financial education and employee benefits services to employers; these services do not constitute regulated financial advice. Where regulated advice is required, this is provided separately by Aetas Wealth.

Frequently asked questions

What financial planning services do you offer for businesses?

We work with business owners, directors and partners on pension planning, director remuneration structuring, key person and shareholder protection, exit and succession planning, and employee benefits. We also advise on the personal financial implications of business decisions such as sale, restructuring or equity events.

Can Aetas Wealth advise on selling my business?

We advise on the personal financial planning around a business exit. That includes structuring your pension contributions in the run-up to a sale, understanding Business Asset Disposal Relief, managing the proceeds tax-efficiently, and planning for life after the sale. We work alongside your accountant and solicitor throughout.

How can a business fund employee financial wellbeing?

Through a combination of workplace pension contributions, group protection policies, salary sacrifice arrangements, and access to regulated financial advice. We design employee benefit packages that are cost-efficient for the business and genuinely valued by staff. Through Aetas Workplace, we also offer structured business performance consultancy programmes.

Do you work with limited companies and LLPs?

Yes. We advise both limited companies and partnerships. The planning considerations differ, particularly around pension contributions, profit extraction and protection structures, and we tailor our approach accordingly.

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