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Business owners.
Scaling up, or ready to sell? Whatever stage your business is at, our expertise will guide you every step of the way.
Your personal finance director.
We understand the personal and financial challenges that come with being a small business owner. These range from managing personal wealth to looking after your family, supporting your employees, and ensuring the ongoing success of your business. It’s a complex challenge, but one where our expertise is perfectly suited to assist.
Our role is to help you take control of your financial future. For many entrepreneurs, your business isn’t just a career; it’s a reflection of your life’s work. We provide comprehensive guidance across various aspects, including investment and retirement planning, estate protection, and strategies for business growth and value maximisation.
Your business is not just your livelihood; it’s your legacy. At Frazer James, we focus on safeguarding this legacy, ensuring your personal financial successor mirrors the success you have already achieved within your business.
How can we help?
- “Your Number” – Measure how much money you’d need from your business, via sale or saving profits, to achieve financial independence.
- Profit Extraction – Determine the optimal method to allocate your hard-earned profits, ensuring appropriate compensation for yourself while saving for the future.
- Tax Planning – Analyse strategies to reduce corporation and income taxes, and explore pension planning opportunities tailored for company owners.
- Investment Strategy – Guidance on how to allocate and grow business profits. Evaluate investment opportunities, navigate important decisions and help manage your portfolio.
- Retirement Roadmap – Build a comprehensive financial plan that provides a clear and actionable path toward achieving your desired financial goals.
- Protect what matters – Consider life insurance and business protection to ensure you, your business, and most importantly, your family, are taken care of in worse-case scenarios.
How we do it.
1. Getting to know you
Until we understand you, your business, and your goals, we have no right to advise you. So this is step one, and it’s vital.
This initial phase is about exploring your goals for the next 3 to 10 years, understanding your relationship with money, and gauging your risk appetite.
We also conduct a comprehensive “Financial Health Check” to assess your current finances and identify areas for improvement.
2. Building your financial plan
We bring your financial future into focus using visual tools like charts and graphs, making it easy to see if you’re on course to meet your objectives.
This step is a collaborative effort to evaluate the impact of various financial decisions, giving you a clear picture of how today’s choices affect your future.
3. Putting your plan into action
This step involves making concrete changes, whether it’s consolidating pensions, initiating new investments, or updating insurance policies. Our role is to ensure seamless execution of each recommendation.
Where possible, we will complete these actions on your behalf, saving you the time and administrative hassle.
4. Keeping you on track
Our Annual Planning service is the most important aspect of working together.
We regularly monitor your finances to track progress and assist in navigating the inevitable changes that accompany running a business.
We’re always available to guide and support you, ensuring you stay on the right path and avoid costly mistakes.
Get in touch
Schedule a free consultation with one of our financial advisers, or give us call.
0117 990 2602