We know that no two business owners are the same. So, we start by finding out what it is you want to achieve and where your long-term aspirations lie. Then we set about analysing your finances and presenting you with options. Our only aim is to help you achieve your aims in a way that works for you and your loved ones.
How we can help
Cashflow planning can help you see ahead and plan for your future income needs, for example: paying for school/university fees, moving home, or stepping back from your business.
There’s a baffling array of options when it comes to business insurance – understand which is right for you and which are worth the premiums in your circumstances.
Preparing for business sale
We’ll start by establishing what you want to do after the sale. We’ll then use cashflow modelling tools to help you work out how much capital you will require at the sale to achieve your goals.
Paying unnecessary taxes can create a big hole in your long-term lifestyle and retirement plans. We can help you explore tax-efficient investment plans and savings vehicles.
Building your wealth can take most of your lifetime. We can help you protect and pass on that wealth to those you choose and limit your exposure to tax.
It’s important to know you have not only saved enough money to retire comfortably but that you can sustain that standard of living throughout your retirement. We help with both.
What our clients say
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.
Philip has helped us to come up with a financial plan to retire earlier than originally planned.
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.
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.
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.
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.
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.
We feel like we're in safe hands and have made the right decisions with Philip's guidance.
Philip has given valuable advice on pensions, financial planning and above all reassurance.
The Financial Conduct Authority does not regulate Cashflow Planning.
The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning
Cover will cease on insurance products if premium payments are not maintained.