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Independent financial planning for your business 

Business financial planning is about taking all the right steps to achieve your commercial and personal goals while protecting your business.

As a business owner you may have substantial financial assets, but little time to ensure your wealth is working as hard as you are. Or it may be time to plan your exit from a business you’ve devoted many years of your life to.  Our team of fully independent wealth planners can provide strategic advice and practical plans for managing your wealth before, during and after the sale of your business.

Our highly qualified financial planning experts specialise in providing strategic and forward-thinking advice on business exit planning, business protection, tax mitigation, pension planning and retirement.

Make plans for your business with confidence

Arrange a no-obligation, complimentary consultation with an independent wealth planner.

Request a consultation

Our specialist business planning services

Our independent, fee-based wealth planning service starts with a strategic review of all your personal and business financial arrangements. We then build and maintain a long-standing relationship with you, reviewing your plan regularly to make sure it is still working as you wish.

As our personal wealth planners are truly independent, they will give you impartial advice on a broad range of solutions and choose the best options for your company’s needs.

Our business financial planning services include:

  • Business protection – We can advise you on a range of protection services to help you deal with unexpected changes in your firm’s situation. Our independent wealth planners will help you decide what protection is most appropriate for your needs and put solutions in place to ensure the long-term survival of your business.
  • Business exit planning - If you come to an exit, how would you plan for it as an individual? How much capital do you need to achieve your goals and objectives, following a sale or flotation? Our planners can help you to build a strategy that works for you, before, during and then after the sale of your business.
  • Employee benefits - Your dedicated wealth planner will invest time getting to know you, your company, and your business goals, so they can advise you on the most appropriate employee benefits to meet your objectives.
  • Directors' pensions - Pensions are still one of the most tax-efficient ways to save for retirement but making the most of the tax benefits is not simple. Your wealth planner will help you navigate the complexities and ensure you make the best decisions for your personal circumstances and your business.
  • Investments - Good investment management can help you protect your future business and personal interests. Your wealth planner working with our investment management team can help you capitalise on suitable investment opportunities.
  • End to end service – We know your time is precious, which is why we manage the entire process on your behalf. From liaising with product providers and investment managers to sorting out paperwork, we take care of everything and keep you updated.

Other wealth planning solutions

Comprehensive wealth planning

A full review of your finances, leading to a personal wealth management plan.

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Inheritance tax services

Expert advice on how to mitigate IHT and effectively transfer wealth to the next generation.

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Retirement planning

Bespoke planning, pension advice and cash flow modelling to help you achieve the retirement you want.

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Long-term care planning

Holistic advice on achieving the right financial plan to see you comfortably through the rest of your life.

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Make plans for your business with confidence

Arrange a no-obligation, complimentary consultation with an independent wealth planner.

Request a consultation

Investment involves risk. The investments discussed in this document may not be suitable for all investors. The value of investments and the income from them can go down as well as up, and investors may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

Inheritance tax rates and Business Relief rules are subject to change. In addition, you must be prepared to hold your shares in AIM-listed companies for a minimum of two years or these assets will be considered part of your estate in the IHT calculation.

The tax treatment of all investments depends on individual circumstances and may be subject to change. Investors should discuss their financial arrangements with their own tax adviser, as the value of any tax reliefs available is subject to individual circumstances. Levels and bases of taxation may change.

This is not a recommendation to invest in any of the funds, themes or sectors mentioned. They are included for illustrative purposes only. 

Where investment is made in currencies other than the investor’s base currency, the value of those investments, and any income from them, will be affected by movements in exchange rates. The effect may be unfavourable as well as favourable.

Keeping you informed

How can investing in AIM shares help to manage inheritance tax (IHT)?

With our families’ future financial wellbeing always in the back of our minds, we’d all welcome legitimate ways to manage inheritance tax (IHT) liability. One way to do this is by investing in the Alternative Investment Market (AIM).

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Your Autumn Statement 2022 update and what it means for you

This was never going to be an easy message for a Chancellor to deliver. The economy is in recession and yet tax rises and tight public spending are now the order of the day.

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How to calculate your personal tax allowance over £100,000

In this article, Head of UK Financial Planning, David Goodfellow, explores the two scenarios that can cause you to pay the 60% tax rate and provides our top tips if you are caught by them.

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Investment news update

Some of our wealth planning experts

If you would like to know how our independent wealth planners can help, please get in touch. We would be delighted to provide more details of our services.

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Nicholas Michell

Wealth Adviser

Nicholas is responsible for helping clients to navigate the often complicated arena of personal financial planning; an area that is forever shifting with political winds and new budgets. One of his crucial functions is to help clients plan the long-term financial dimension of their lives in order to ensure that they have access to the necessary income and capital to achieve their objectives at the time they wish.   


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Debbie Kay

Wealth Planning Director

Debbie provides high quality independent financial planning advice to high net worth individuals, families and trusts. She specialises in dealing with Private Office clients who typically have more complex affairs.This includes financial structuring, investment consulting, strategic asset allocation, appointment of discretionary investment managers, coordination of professional advisers, succession planning, philanthropy and charitable giving.


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Nero Patel

Wealth Planning Director

With over 20 years’ industry experience, Nero provides strategic tax, financial and cashflow planning services to a wide range of private clients ranging from those who work in media and entertainment, City professionals, business owners and retirees.

Nero is highly qualified as a Chartered Financial Planner, a Certified Financial Planner licensee and a Fellow of the PFS. He is qualified to give advice to vulnerable clients and is also a pension transfer specialist.


Find out more about our expert team

How can we help?

If you would like to know how we can help with your investment management, wealth or financial planning needs, get in touch. We will be delighted to provide more details of our services.

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.