You're our Hero
You've built something real. Long hours, hard decisions, and the kind of responsibility that doesn't switch off at 5pm. You've done it all so you and your family can have a better life because of it. You've proven you can run a business. It's time to make sure the business gives you and your family freedom in the future.
You value security, independence, and the freedom to build a life on your own terms. You're the kind of person who prefers clarity over complication, and you don't want to wait for injury, ill-health or age to force the conversation about what it's all really for.
You're successful in your own right, but you know that success alone doesn't guarantee financial freedom. You want to protect what you've built, grow it intentionally, and make sure it aligns with the life you actually want to live.
You don't just want the business to survive. You want you and your family to thrive.
What do you want?
Great financial planning is deeply personal, so it's essential for us to understand what's most important in your life, and what outcomes you're trying to achieve.
Queries?
I own a business. What can a financial planner do that my accountant can't?
An accountant reports on what your business has already done. A financial planner works forwards from what you want your life to look like personally, then works out what the business needs to deliver. An accountant tells you the tax-efficient way to take money out this year. A planner asks whether that amount is the right one, and how to have enough for when you finish working.
Should I be leaving profit in the company or taking it out?
Leaving profit in the company defers tax rather than avoiding it, which can suit owners whose personal income is already high or whose business needs the capital. Taking it out means paying tax now, but the money can then grow sheltered inside pensions and ISAs. The right balance depends on your income, your retirement date and your plans for the business.
I have several old pensions from previous jobs. What are my options?
Generally, you've got 3 options: leave them where they are, combine some, or combine all. Before moving any old pension, check for guaranteed annuity rates, protected tax-free cash above 25%, and exit charges, all of which are expensive to lose. Transferring a defined benefit pension worth more than £30,000 legally requires specialist advice. If you have lost track of one, GOV.UK runs a free tracing service.
We can help your family go from surviving to thriving
Book in today for a free, confidential introduction to find out more.
