How can I prepare for the sale or exit of my business?
Business owners and directors
Your first priority in business is keeping cash flowing. But once your business finds its feet, you’ll look for the headspace to also focus on your personal finances and how they work alongside your business goals.
Duncan understands the challenges of financial planning for business owners and directors and he will expertly advise you on ways to protect yourself and your family against risks, and to effectively extract personal value from your business, while continuing to steer a successful company.”
Seeking professional advice at the earliest possible stage is the key to preparation. We’ll get to know your business and your objectives, find you the right support to determine its value, and help you plan how to personally get the most out of what you’ve worked hard to achieve.
What’s the most tax-efficient way to pay myself?
This all depends on your circumstances, but balancing a fair salary with dividends and pension contributions is often key. However, you don’t have to figure this out alone; we have the expertise to keep you, your business, and the taxman happy.
How can I manage cash reserves and reduce financial risk?
No one “golden number” applies to every business. By understanding the character and nuances of your business, we will help you determine the right amount to set aside – and whether these reserves should be invested longer-term by the business – ensuring you’re prepared for both challenges and opportunities.
Seeking professional advice at the earliest possible stage is the key to preparation. We’ll get to know your business and your objectives, find you the right support to determine its value, and help you plan how to personally get the most out of what you’ve worked hard to achieve.
This all depends on your circumstances, but balancing a fair salary with dividends and pension contributions is often key. However, you don’t have to figure this out alone; we have the expertise to keep you, your business, and the taxman happy.
No one “golden number” applies to every business. By understanding the character and nuances of your business, we will help you determine the right amount to set aside – and whether these reserves should be invested longer-term by the business – ensuring you’re prepared for both challenges and opportunities.
Unexpected illness or an accident or injury to someone key to the business can cause significant headaches. Life may throw surprises your way, but we’ll prepare in advance for these eventualities to ensure that you and your business can remain financially secure.
The key is to consider your personal retirement goals and your business’s needs. Whether it’s setting up a pension plan, making tax-efficient withdrawals, or exploring options for selling or passing on the business, we’ll guide you through each step.
Any business usually has core areas of expertise in a particular sector or type of work. The risk here is that any major upheaval in that work can heavily impact the success and even sustainability of the business. That’s why we will work together with you on an appropriate strategy to diversify your investment holdings and reduce your risks of having too many eggs in one basket.
Unexpected illness or an accident or injury to someone key to the business can cause significant headaches. Life may throw surprises your way, but we’ll prepare in advance for these eventualities to ensure that you and your business can remain financially secure.
The key is to consider your personal retirement goals and your business’s needs. Whether it’s setting up a pension plan, making tax-efficient withdrawals, or exploring options for selling or passing on the business, we’ll guide you through each step.
Any business usually has core areas of expertise in a particular sector or type of work. The risk here is that any major upheaval in that work can heavily impact the success and even sustainability of the business. That’s why we will work together with you on an appropriate strategy to diversify your investment holdings and reduce your risks of having too many eggs in one basket.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028).
Protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.
The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.
The Financial Conduct Authority does not regulate tax planning.
We have the answers you're looking for
As independent financial planners, we do more than just look at your finances, we take in the whole picture of your life. Our role is to demystify the complexities, translating them into structured, coherent strategies tailored to your personal situation.
Together, we’ll turn your hopes into achievable goals, so you can embrace the journey ahead with peace of mind.
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