Business owners and entrepreneurs can have complex financial planning needs, but because their professional affairs can be so demanding, it’s often difficult to find time to focus on them.

We understand the complexities of financial planning for those running businesses, and are able to work with you closely to identify your needs – whether you’re currently growing your business, consolidating its performance, or you want to plan for your eventual retirement.

Our Services

Financial advice for your business

As well as advising individuals about their own personal financial planning needs, we’re also able to offer advice and support relating to your business itself.

We’re experienced in guiding business owners and entrepreneurs through the varied stages of business expansion, and can help you take the necessary steps to build value, maintain performance, attract buyers and reap the rewards of your hard work – whatever your business needs.

Some offerings involve the referral to external SME specialists whose services are separate and distinct to those carried out by St. James’s Place.

Company pensions planning

Planning for retirement is as important for company directors as it is for anyone else, and we can help you navigate this area and select the right option for yourself and fellow shareholders.

Each director’s needs will be different, but we can advise each individual according to their specific circumstances, and help make sure the corporate pension arrangement you choose is the right one for your business.

The value of a pension with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Working with your accountant and other professionals

Effective financial planning doesn’t exist in isolation from other aspects of your business and your life.

We therefore work closely with any other professionals who also help administer your affairs, whether they are accountants, solicitors, or other professional advisers and service providers. By building close relationships with you and your other providers, we help make sure all your affairs run as smoothly as possible at all times.

Shareholder planning and remuneration

As a shareholder in your business, your main focus is on working with fellow shareholders to make sure the business is successful.

We understand this, and will help make sure that every aspect of your relationship as shareholders is running smoothly, with protection in place in case of unexpected illness or death, and effective policies around remuneration and succession planning.

Business risk and protection strategy

When a business is running smoothly, it can be difficult to imagine scenarios in which things go wrong, but putting strategies in place to deal with unavoidable risks and unforeseen circumstances can make a big difference to your business’s long-term success.

Our team will guide you through the protections available, and help make sure that your business is prepared for unwelcome eventualities.

Protection against risk

It’s always important to be prepared for events that, though unwelcome, could easily occur at some point in the future, including illness, incapacity and death.

Long-term planning is essential in order to make sure that if this type of event does happen, your family and business colleagues are protected financially in a tax-efficient manner. By understanding your personal and business finances in detail, we can help you put such protections in place, giving you the peace of mind that comes with knowing the people you care about are protected, whatever happens.

Financial advice for you and your family

As a business owner or entrepreneur, your personal finances can be closely linked to those of your business, and it’s important to take financial advice that recognises your specific situation.

We always take time to understand every aspect of your personal and professional lives, and you can be sure that the plans and solutions we put together are designed with your particular business circumstances in mind.

Cashflow management

Even the most successful companies can be hit by cashflow problems, and though on paper the business may be doing well, a lack of day-to-day cash can prove disastrous.

Effective cashflow management is a must, and we can help you put robust strategies in place to deal with the inevitable ebb and flow of cash in and out of your business. We can also help make sure that cashflow surpluses are invested in a tax-efficient manner rather than languishing in low-performing accounts.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.

Tax planning for business owners

The complexities of running a business alongside your own personal finances could mean that without careful planning, you end up handing over more of your money in tax than you should.

We are specialists in helping you make sure that your financial affairs are planned in a tax-efficient manner, so that your personal obligations and those of your business work together to minimise your tax liability.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. 

Creating financial independence

Many business owners plan to raise capital from the sale of their business to fund their retirement, but this may not always work out as planned.

With our help, however, you can gradually reduce your financial dependence on your business, putting in place a process towards a comfortable and secure retirement.

Exit and succession planning

If you will one day want to exit from your business and reap some of the rewards of your hard work, it’s important to plan well ahead of time.

We understand the complexities of exit planning, and can help you make sure that when you come to exit, your business is in a good position to deliver the rewards you were hoping for. We’ll also help when your time to exit comes, so the whole process takes place in a smooth and tax-efficient manner, allowing you to benefit from the many years of hard work you invested in your business.

Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.

Benefits for your employees

As a business owner, you know that your employee team is one of your most valuable assets, and attracting the best staff – and retaining them – is key to your business success.

By offering a package of valuable financial planning benefits, you can help make sure that your employees’ personal finances are looked after effectively – a service that can make them more likely to stay with you for the long-term.


Employee financial wellbeing programme

Helping your employees to look after their own finances can be an excellent way to add value to your benefits package as well as promoting good financial health among your workforce.

We offer a range of solutions that can give your team important financial peace of mind, which in turn can benefit your business by ensuring the people you rely on are in great financial shape.


Employee benefits programme

Offering an effective benefits and remuneration strategy is an excellent way to recruit and retain high-calibre staff members, and we offer a wide range of options that can really make a difference for your team.

From counselling and advisory services to income protection and life assurance, we’ll help you select benefits that are likely to be appreciated by your employees while offering cost-effectiveness to you and your business.

Senior Partner Practice of St. James’s Place

Our friendly, personal approach is further enhanced by the fact that we’re a Senior Partner Practice with St. James’s Place, one of the UK’s leading wealth management organisations. This trusted and respected company manages client funds of over £157.5 billion, giving you access to the distinctive St. James’s Place investment management approach and connecting you to professional advisers and experts covering the full range of wealth management services.

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Our Team

When you’re choosing a financial planning partner, you need to find a team you can trust. After all, effective financial planning means getting to know far more than just your financial situation. It means understanding your lifestyle and passions, your business affairs and your family circumstances, and building a complete picture of the life you lead today – and the one you want to lead tomorrow.

Meet Our Team


Book a Meeting

Please call 01670 505333 or send us a message using the form and our team will be very pleased to help you.

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