We are experienced in advising business owners, whether sole traders, partnerships or limited companies to ensure they maximise opportunities and mitigate tax.

Running a business, regardless of its size, requires considerable focus and time and as a business owner it is understandably all too easy to overlook your own financial affairs. Working in conjunction with Thomas Westcott Chartered Accountants, we are able to devise a plan to achieve both your business and personal ambitions.

Our areas of advice include:

Retirement Planning

We provide unbiased advice on the full range of pension options and pension consolidation for achieving retirement goals.

This includes the use of SIPP and SSAS for commercial property purchase. Our team of specialists can give advice on occupational as well as personal pensions.

Contingency Planning

The death or serious long term illness of a key individual within a business can have a serious detrimental effect on the ability to maintain trading and profit levels. Many small to medium sized businesses would be at risk of folding within a short time of such an occurrence. Our team can advise on suitable solutions to mitigate the effects of such an event occurring.

Likewise, the death of a business owner can result in difficulties in continuing control of the business for the remaining owners, particularly where the deceased’s share is inherited by family members who do not have either the desire or skills to retain their ownership of the business.

We can provide advice on solutions to provide capital to the surviving business owners to purchase the deceased’s share of the business and put in place suitable agreements to ensure the deceased’s beneficiaries are suitably recompensed.

Investment and Cash Management

Any company cash reserves held in bank or building society accounts are likely to be attracting low rates of interest, often under-performing inflation.

We can advise on alternative strategies to provide improved returns whilst ensuring that funds are readily accessible if required.

Specialist Expertise

Our financial planning team’s credentials include the following:

• Chartered Financial Planner
• Certified Financial Planner
• Pension Transfer Specialist
• Fellow of the Personal Finance Society
• Member of the Society of Trust and Estate Practitioners (STEP)
• Accredited member of the Society of Later Life Advisers (SOLLA)
• Associate of the Institute of Financial Planning
• The Chartered Insurance Institute’s Advanced Financial Planning Certificate including the following specialist subjects: Business Financial Planning, Pension Planning, Pension Retirement Options