Generic financial advice treats personal and business finances as two separate worlds. For most directors and owner-managers, that is not how life works. How you take income, how the company pays into your pension, when you protect against losing a key person, when and how you eventually sell or step back, all of these sit in the overlap.
Our job is to make sense of that overlap. We work with you on the personal side, with your accountant on the company side, and bring it together into a plan that works for both. The aim is to build personal wealth efficiently while keeping the business resilient and your family protected.
The starting point is always your situation. How the business is structured, what stage it is at, what you want personally, and how soon. The plan grows from there.
Not every meeting covers every topic. We start with what matters most for you now and build from there.
The mix of salary, dividends and employer pension contributions matters. Get it right and the same money in your pocket can cost the company materially less. We work this through with your accountant each year.
Employer pension contributions sit outside the salary tax trade-off and use a different allowance. For most directors, they are the most tax-efficient way of building personal wealth from the business. We make sure you are using them properly.
What happens if a key director cannot work, or dies? Key person cover replaces the lost profits. Shareholder protection lets the remaining owners buy the affected share without forcing a sale or borrowing. Both sit alongside the legal agreements.
Whether you sell, pass the business to family, or step back gradually, the planning is best started years in advance. Business Asset Disposal Relief, sale structuring, and what you do with the proceeds all sit here.
The Finance Act 2026 capped Business Property Relief at £1 million per person. For owners with substantial business interests, this changed the IHT planning conversation overnight. There may be steps worth taking sooner rather than later.
Who takes over, when, and on what terms is rarely a financial question alone. We work alongside your solicitor and accountant on the parts of succession that touch on personal wealth, family conversations and long-term security.
The Financial Conduct Authority does not regulate Wills, Trusts or Tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future. The value of your investments can go down as well as up, so you could get back less than you invested.
Book a no-obligation conversation. We will talk through where you are now and explore whether we can help.
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