Independent financial advisor for busy business owners

Your business may be doing well, but how’s your personal financial situation?

Is your money working for you, or is it losing value? Are you on track to achieve the things you want in life, or are you heading for disaster?

These aren’t easy questions, but they are important ones. That’s where we come in. Our financial health check helps you to make sense of it all.

Financial Health Check

We’ll provide you with a high-level summary of your finances, looking at:

…1.  Your personal balance sheet and net worth. Are your assets working hard or are they sitting idle?

…2.  Your retirement planning. How to use your business to fund your retirement?

…3.  Your arrangements for ‘what happens if…’. Has your business taken out the right types of insurances to protect you and your family should the worst happen?

Free Financial Health Check

We offer a free financial consultation, which works out where you are today, where you want to be and then creates a high-level plan to get you there.

It provides you with some practical steps you can take to improve your personal and business. By the end, you will be more financially organised and in control.

Book Free Financial Health Check

There are lots of ways to use your business to create financial security for you and your family.

For example, your business can:

…✓   Pay into your pension, helping to fund your retirement

…✓   Take out a critical illness policy for you, providing you with a financial safety net

…✓   Take out life insurance for you, ensuring your family is financially okay should the worst happen

The best part is these are all treated as deductible expenses, which means they will reduce your corporation tax liability.

Free Business Financial Audit 

To get started, we offer a free business financial audit. This looks at yours and your businesses financial position and creates a plan to make the most of your money.

It provides you with a one-page summary, that either shows:

…A.  Your business and personal finances are in good shape. Keep doing what you’re already doing, you’re on the right track.

…B.  Your business and personal finances are in okay shape, but a few tweaks need to be made. You can do this yourself or we can give you a hand.

…C.  Your business and personal finances are out of shape and some work is needed. We’ll organise this for you and put things back in better shape.

Book Free Business Financial Audit

Buying a commercial property through your pension is a popular type of investment, particularly for business owners who have their own premises.

To fund the property purchase, the business can contribute to a pension. Any contributions will be treated as allowance expenses, reducing your corporation tax liability.

Pensions & Property

By holding a commercial property in your pension, you will benefit from:

…✓   Tax-free growth. This means that when you come to sell the property, there’s no capital gains tax to pay (rather than the 18% or 28% tax paid if not held in a pension).

…✓   Tax-free income. Any rental payments paid by the business will reduce its corporation tax liability and no tax would be paid on the income by the pension.

Free Pension Review

To get started, we offer a free pension of your pensions. This will tell you:

…1.   Whether your pension can invest in commercial property

…2.   The benefits and drawbacks of investing in commercial property.

…3.   How to purchase commercial property in your pension.

Book Free Business Pension Review