I am...

A business owner nearing retirement

What would happen if…

You wanted to sell your business

It’s something all business owners must think about at one stage in their life, but are you prepared if you were to go down the sale route? It’s not a decision to take lightly and needs a lot of work behind the scenes.

Once you’ve completed the sale, we can offer advice on structuring wealth tax efficiently. Selling a business can often create an Inheritance Tax liability. We can employ a number of solutions that will mitigate any potential liability due, or begin to reduce the future liability overall.

You needed to save more for retirement

With retirement looming, you’re starting to consider how life will look when you leave your business. Do your savings and assets match the lifestyle you’re dreaming about? If you need to save more, now’s the time to start.

Pensions continue to be one of the most tax efficient ways of extracting company profits. We will look at different solutions, including: Annual Allowance calculations, commercial property purchase, Lifetime Allowance issues, SIPPs, SSASs and family pension trusts.

You wished to maximise investment returns

Investing is one of the best ways to make your money grow. Although you may not be confident enough to maximise returns by yourself, with the right plans, investing can be easy and be more suited toward your goals.

Your situation is familiar to us and our proactive approach is designed to ensure you achieve your long-term financial goals, irrespective of your day to day distractions. We aim to give you control over your personal finances and peace of mind.

Together, we will reach your goals

We understand that there is no one-size-fits-all solution for business owners. Some may wish to pack up for good, while others may phase into retirement. What we do best is understand your goals and needs before making any recommendations.

We will help you protect your wealth and ensure continued growth in the future by building an ongoing relationship with you that extends well beyond the life cycle of your business.

Tax-efficient solutions

As you come to the end of your career, we will help you tax-efficiently extract money out of your business through pensions and dividends.

Establish your goals

We will establish what standard of living you wish to have in retirement, whether your income can provide this, and for how long it will be sustainable.

Streamlined advice

We encourage working with your other professional advisers to ensure all the legal, tax, accounting, and financial advice you receive is cohesive.

This is how we make it happen

As a business owner, navigating both personal and business finances is a challenge. On a personal level, there’s the need to secure wealth and provide for loved ones. Simultaneously, the demands of your business present a unique set of financial considerations.

Balancing these financial needs requires careful planning, something we are experts in. We will sit down with you, clearly explain what needs to be done to live a fulfilling life and give you the confidence to step away from your business when the time comes.

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