Your Business
Financial advice for business owners — where your company and your personal wealth are planned as one.
When you own a business, your company and your personal finances are tangled together — a decision about how you take profit affects your tax, your pension, your protection and, one day, what your business is worth when you leave it. Handled separately, those decisions pull against each other.
We advise business owners on the financial planning side of that picture: extracting profit efficiently, building pensions and personal wealth, protecting the business and its owners, and planning a tax-efficient exit — working alongside your accountant and solicitor, not around them.
Your business and your personal future, planned together.
Financial advice built around business owners
Six connected areas of advice for the owner and the business — each linked to the service that goes into more detail.
Profit & Income Strategy
Take money out of your business in the most tax-efficient way, year after year.
- Salary, dividend & bonus planning
- Employer pension contributions
- Tax-efficient profit extraction
- Company vs personal decisions
- Coordinated with your accountant
Pensions & Retirement
Use pensions as a genuine wealth-building tool for you and your fellow directors.
- Employer & executive pensions
- SSAS & SIPP arrangements
- Holding property within a pension
- Retirement income planning
- Consolidation & reviews
Protecting Your Business
Safeguard the business, its owners and their families against the unexpected.
- Key person protection
- Shareholder & partnership protection
- Relevant life cover
- Business loan protection
- Owner & family protection
Exit & Succession Planning
Prepare early so the sale or transfer of your business happens on your terms.
- Business Asset Disposal Relief
- Sale & succession structuring
- Timing your exit
- Income from sale proceeds
- Family succession planning
Inheritance Tax & Estate Planning
Protect what you have built and pass it on efficiently to the next generation.
- Business Property Relief
- The £1m BPR cap (Finance Act 2026)
- Intergenerational transfer
- Wills & trusts, coordinated
- Legacy planning
Investments & Personal Wealth
Turn the profit you take out of the business into lasting personal wealth.
- Investing extracted profit
- Personal & ISA investing
- Personal cash-flow modelling
- Risk-managed portfolios
- Ongoing advice & reviews
Need to look after your employees too?
Financial advice covers you and the business. When it comes to supporting your people — workplace financial wellbeing, employee engagement and getting the most from your team — our sister company Aetas Performance is built for exactly that.
A joined-up approach
Most business owners have an accountant, maybe a separate pension adviser and someone else for insurance — and no one looking at how it all fits together.
We connect the business and the personal. How you take profit affects your tax, your pension and the value a buyer eventually sees. Planning those decisions together, with one team who understands the whole picture, is where the real value lies.
And when your people need support, we can open the door to Aetas Performance — so the whole group works to one plan.
One relationship
Business and personal financial planning handled by a single team who see how each decision affects the other.
Connected advice
Profit extraction, pensions, protection, exit and estate planning considered together, not in isolation.
Working with your advisers
We coordinate with your accountant and solicitor so the advice joins up rather than competing.
Alongside you over time
As the business and your circumstances change, the plan adapts with them.
Let’s talk about your business
Start with a free, no-obligation business review. We’ll look at where you are and show you where joined-up advice can make a difference.
Book a business review Available via video call or in person. FCA-regulated advisers. FRN 458421.The value of investments and any income from them can fall as well as rise. You may get back less than you originally invested. The Financial Conduct Authority does not regulate some forms of business protection, tax advice, trusts or estate planning. The levels and bases of taxation may also change.