Business Owners

Are you looking to extract money from your business tax-efficiently? Maybe you are thinking about selling your business? Or do you simply want to ensure your corporate finances are aligned with your personal goals and ambitions? Our clients come to us for help with many challenges.

You’ve spent years building your business. At some point, the question becomes what you want all that hard work to achieve for you and your family.

How much is enough? When can I afford to step back? How much do I need from a sale? Should I take more money out of the business? And what does life look like afterwards?

For many business owners, their personal and business finances are closely connected. A significant part of your wealth may still be tied up in the company, while pensions, investments, property and cash sit alongside it.

We help you bring the two together.

That might mean planning for a future sale, working out how much you need to sell for, investing the proceeds after an exit, building wealth outside the business or simply knowing when you’ve reached the point where work becomes optional.

The aim is to turn the wealth you’ve created in your business into financial independence for you and your family.

How we can help

Planning your exit

Work out what you need from the business, when you could afford to sell or step back and what life might look like afterwards.

Investing after an exit

Turn a large lump sum into a properly structured portfolio designed to support you and your family for the rest of your lives.

Preparing for business sale

Understand how much you actually need from a sale and plan what happens to the proceeds before the deal completes.

Tax planning

Structure your personal finances sensibly alongside your business, making use of the appropriate pensions, investments and allowances.

Family and Estate planning

Think ahead about how much you want to keep, how much you might give away and how your wealth eventually passes to your family.

Building wealth outside the business

Use pensions and investments to reduce your reliance on the value of your company and build personal financial independence.

What our clients say

Philip provided a comprehensive life plan, along with advice in specific areas we requested. He also helped to consolidate and reinvest our pensions and savings. His service has been clear and professional.

Laura

Philip has really sorted out my anxiety about my finances, advising me on sensible, ethical investments that fit with my requirements. He's experienced, calm, kind and really takes care to emphasise that he's in this for the long term. He is always around to reassess priorities and to react to changing circumstances. Philip really cares about the peace of mind, wellbeing, and – of course – financial returns of his clients.

Charlotte

Philip encouraged me to think about my big financial goals . He created a financial plan for my life and advised me on how to protect the plan.

Hannah

Philip helped me make my investments ethical when I realised that was something I really wanted. He has given me shrewd investment advice, but also encouraged me to enjoy my money. He helped me enormously through my divorce, from filling in the financial disclosure documents to organising a vital loan for me to help me pay the lump sum and keep my house. He's been absolutely brilliant, always going above and beyond.

Joshua

We feel like we're in safe hands and have made the right decisions with Philip's guidance.

Bernard

Philip has helped us to come up with a financial plan to retire earlier than originally planned.

Andrew

I had never been interested in financial planning before, nor had I ever had much in the way of capital that needed looking after. Philip was rigorous and helpful throughout, and very good at explaining things that I had never needed to think about before.

Matthew

Philip helped me to get my thoughts in order, looked at my current pensions, investments, assets and commitments and mapped our very clearly how best, in financial terms, to prepare for the years ahead. He even made me realise I could retire a number of years earlier if I wanted too and that the financial plans I had in my head for the next 10 years or so didn't really make financial sense and proposed a much better plan for my current investments. Turns out I'm not as smart as I thought I was.

Keith

Philip has given valuable advice on pensions, financial planning and above all reassurance.

Ian

From our first meeting, Philip gave me the impression that he was the person I could trust with the management of my affairs. He is knowledgeable and analytic, he listens, he understands, he explains and acts according to what the client wishes.

Tonia

Philip took great care to understand our personal circumstances, and our joint hopes for the future. He cut through the complexities of financial planning and made very practical recommendations which we have agreed to implement.

Stephen

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The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning
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