Business Owners/Company Directors

Your company can be your most powerful retirement tool. We help you extract value efficiently, protect what you have built and plan your exit on your own timeline.

Running a business means every decision lands on your desk, from strategy to payroll. Your own finances tend to get whatever time is left over, which is often very little. Yet the way you pay yourself, and what you do with the profits your company makes, can shape when you are able to retire.

We work in conjunction with your accountant to look at your personal and business finances together. That might mean finding the right balance of salary, dividends and employer pension contributions, or deciding what to do with surplus cash sitting in the company. It also means planning for life after the business, whether you intend to sell, pass it on or step back gradually.

Working together, we will help you to:

• Structure your pay tax-efficiently across salary, dividends and pension contributions

• Use employer pension contributions to move profits into your retirement savings

• Put surplus company cash to work with a clear purpose

• Protect the business with key person, shareholder and relevant life cover

• Plan your exit, succession or gradual step back well ahead of time*

• Begin estate planning, so what you have built passes on as you intend*

• Model when the business could fund a retirement of your choosing

*Some areas, such as exit structuring, trusts and tax advice, may involve working alongside or referring you to specialist accountants and solicitors.