Business Financial Planning
Corporate financial planning is about far more than arranging employee benefits and pensions. It involves making certain you've taken all the right measures to be in the most suitable position to achieve your business goals and the necessary steps to protect your business.
The Financial Conduct Authority does not regulate some Employee benefits.
Tax Treatment varies according to individual circumstances and is subject to change.
Key Person Risks
If you own your own business you will need to consider what might happen if you or a key employee became ill and were unable to work? Or if you or a key employee died? Business protection can ensure your company can continue to operate no matter what eventualities may occur.
The plan will have no cash value at any time and will cease at the end of the term if premiums are not maintained, then cover will lapse.
The policy may not cover all definitions of critical illness. for definitions please refer to the key features and policy documents.
Employee Benefits
Looking after your employees will assist you in both recruiting and retaining high calibre members of staff. We invest time in getting to know your business goals in order to advise you on the most suitable employee benefits that will fit together with your business plans before we make a recommendation.
Solutions could include: Flexible benefits, pensions, death in service, group income protection insurance, group critical illness cover or group private medical insurance.
We would be happy to recommend suitable plans for you and your employees either for a range of benefits or focusing on one area.
The plan will have no cash value at any time and will cease at the end of the term if premiums are not maintained, then cover will lapse.
The policy may not cover all definitions of critical illness. for definitions please refer to the key features and policy documents.
Directors' Pensions
Pensions remain one of the most tax-efficient ways for business owners and company directors to save for their retirement.
Any company contributions will normally receive Corporation tax relief whilst you will receive tax relief at your highest marginal rate on any personal contributions (subject to certain limits).
A pension can be a way of extracting business profits tax-efficiently for the benefit of a director or business owner.
This will grow free from most taxation, provide a tax-free lump sum and an income afterwards, when you decide to retire or take the benefits.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Corporate Investment
Advice that helps you Achieve your Business Goals
A good corporate investment strategy can assist you in protecting your interests - commercial and personal - for the long-term; maximising investment opportunities and capitalising on optimised management of your revenue streams.
We can help you with making investments to achieve either personal or business objectives and can offer corporate investment advice on a range of subjects - from pensions to long term commercial finance planning.
Come and talk to us about how we can provide advice tailored to your particular circumstances.
The value of investments can fall as well as rise. You may get back less than you invested.