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Financial planning for business owners
At Adam & Company, we understand that running a business is time consuming, to say the least. It’s often so demanding that your personal finances end up taking a back seat. This is where our fully independent Wealth Planners come in - offering expert and impartial financial advice to business owners like you.
Working alongside your existing business advisers, our comprehensive advice and ongoing support ensures that all your financial planning needs are met at every stage of your business’s lifecycle.
Our personalised approach nurtures a long-term relationship with you, built on a deep understanding of your unique circumstances, business plans and personal financial goals.
Book a free personal wealth review for business owners
Ready to take control of your personal wealth? You can book a complimentary one-hour wealth review at your leisure with an independent Wealth Planner who specialises in advising business owners.
This is a great no-cost opportunity to get to know your financial adviser and discuss your goals, with no obligation to go further.
Your free review will cover:
- Your current finances: including income from your business
- Your goals and aspirations: for you, your family and your business
- How a financial plan could help you: achieve the future you dream of
- A high-level cash flow forecast: for you to take away
How our Wealth Planners can help business owners
Our Wealth Planners understand the deep connection between personal and business finances. They work to structure both in a way that maximises your wealth and protects it for the long term.
Our specialist services and financial advice for business owners include:
- Business continuity and risk mitigation: Implementing strategies to protect against unexpected life events, such as a serious illness or loss of you or another key person in the company
- Exit planning: Formulating exit strategies to transfer your business, whether to family members, employees, or a third party, including setting up trusts, updating articles of association, and establishing cross-option agreements
- Maximising returns on a business sale: Structuring your finances to maximise returns, while minimising your tax liability
- Financial security after a business sale: Using cash flow modelling to project the income you’ll need and plan how to effectively use capital from the sale to achieve your goals
- Business life cycle tax efficiency: Planning ahead to maximise your personal and business tax allowances, while reducing your capital gains and inheritance tax liability
- Investment management: Creating a bespoke investment portfolio tailored to your needs and risk tolerance, expertly managed in your best interests by a dedicated Investment Manager.
Why business owners choose Adam & Company for financial planning
- Tailored, effective financial planning and support as you build, grow, sell or retire from your business
- A long-lasting relationship built on trust and a deep understanding of your personal and business goals
- Independent, impartial advice on a broad range of solutions selecting only the best options for you
- Flexible advice and recommendations adapted to suit your personal circumstances - because no two businesses are the same
- Working in your best interests collaborating with your legal and tax advisers
- Ongoing, in-depth support ensuring your personal financial planning needs are met at every stage of your business lifecycle and beyond.
Our services for business owners
Independent wealth planning
Impartial and transparent financial advice to help you structure your wealth more effectively.
Investment management
Hand over responsibility to a dedicated Investment Manager who has the expertise, time and resources to protect and grow your wealth.
Retirement planning
Independent advice and planning for business owners to help you put the right retirement plans in place so you can enjoy later life to the fullest.
Family wealth management
Personalised financial advice and investment management to protect and grow your family wealth for generations.
Cash flow modelling
A dynamic tool to help you understand whether you’ll have enough money to comfortably retire once you step away from your business.
IHT Portfolio Service
Our IHT Portfolio Service is designed to maximise the potential for growth in the short term while protecting your wealth for the future.
Speak to an independent Wealth Planner
Book a complimentary, no-obligation consultation with an independent Wealth Planner to discuss financial planning for business owners.
Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.
Our portfolios are designed to work over a typical investment cycle of 7-10 years, so we recommend you stay invested for at least seven years.
The tax treatment of all investments depends upon individual circumstances and the levels and basis of taxation may change in the future. Investors should discuss their financial arrangements with their own tax adviser before investing.
Personal cash flow planning for business owners
It’s crucial to understand that cash flow planning doesn’t only apply to business. It also plays an important role in understanding how to manage your personal wealth.
Your Wealth Planner can use cash flow modelling to forecast your current and future income needs and demonstrate the impact of different outcomes on your finances. This can be especially useful when preparing your business for a sale, as it can help you determine the minimum amount you need to sell for.
Cash flow planning can also inform how to best generate regular, tax-efficient income in retirement using a combination of personal allowances, dividends, savings, capital gains tax exemptions, and tax-free cash from pensions.
Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.
Investment involves risk and is not suitable for everyone.