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Specialist financial planning for business owners

Wealth management and financial advice for businesses

Business financial planning is about taking 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. At Canaccord Genuity Wealth Management (CGWM), we provide holistic financial planning for business owners. 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 wealth planning experts specialise in providing strategic and forward-thinking advice and practical plans on business continuity and business exit strategies, including tax mitigation, pension and retirement planning.

Make plans for your business with confidence

Arrange a free, no-obligation, complimentary consultation with an independent Wealth Planner.

Request a consultation

Why are we an expert financial planner for business owners?

We work with your professional advisers, to provide holistic financial advice. Supporting you at every stage of running a business, through sale and beyond

For hard-working business owners like you, personal and business finances are often inextricably linked. Your accountant and solicitor do their best to keep you up to date with the latest legal and tax ramifications of financial decisions and developments, but they are probably not experts in wealth planning or investment management.

Canaccord Genuity Wealth Management (CGWM) are specialists in providing financial advice for business owners. Working in tandem with your other professional advisers, we can provide the in-depth support you need, ensuring all your business and wealth planning needs are met at every stage of your business lifecycle.

Are you a legal or accountancy professional?

Find out more about our wealth management services, and how we can work together to support you.

Working with you

How can CGWM support you through the three stages of business ownership?

We can work with you to support and protect your business through the key business lifecycle stages: pre-sale, selling and post-sale.

These are the three strategic phases of financial advice for businesses.

Many business owners may not be considering a sale yet; simply focused on running and growing their business. During this period, we can offer:

  • Business continuity planning
  • Advice on investing bonuses or any surplus corporate funds
  • Cash flow modelling and wealth MOTs to ensure you are on track for your future plans
  • Tax efficient financial planning ensuring all your applicable business and personal tax allowances are utilised
  • Retirement planning for directors, company owners and shareholders
  • Company pensions
  • Estate planning, including inheritance tax (IHT) considerations, to reduce your estate’s liability in the future

We can ensure your business is financially structured as tax efficiently as possible, using trusts, pensions and shareholdings, and that your business and personal finances are working in a ‘joined up’ way to make the most of any allowances.

At this stage, our brief is to help you achieve your immediate goals, e.g. to raise capital for a new venture, pass on a thriving business to your family or prepare for retirement.

To ensure your business is in the right shape for sale, we will check that:

  • All tax allowances are used, including pension contributions and reducing capital gains tax with business asset disposal relief
  • Business continuity plans are adjusted to cover issues arising during the sale
  • The articles of association are up to date
  • Employment contracts, Wills and lasting powers of attorney are in place.

We’ll use cash flow modelling to calculate how much you will need to live the way you want after selling, including in retirement.

We will ensure that you utilise all your tax allowances, including personal allowance, dividend allowance, savings allowance, capital gains tax exemption and tax-free cash from pensions.

Once the business is sold, all the proceeds, without any financial planning, would fall back into your estate for tax purposes. Already considered early in our relationship, we will again review estate planning and factor IHT into the equation and find ways to mitigate liability, ensuring the maximum legacy for your family or loved ones.

After the sale, we can use our portfolio management expertise to advise you on investments, including specialist solutions such as ESG (environmental, social and governance) investments, small caps (investing in smaller companies) or our IHT Portfolio Service. We can then continue to provide ongoing wealth planning and investment advice year-on-year, adjusting your plans to ensure they stay on track.

Make plans for your business with confidence

Arrange a free, 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.


Other wealth planning solutions

Comprehensive wealth planning

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

Find out more

Inheritance tax services

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

Find out more

Retirement planning

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

Find out more

Long-term care planning

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

Find out more


Book a free consultation with an independent Wealth Planner


Typically, we provide financial advice to clients with assets over £250,000 or investment management services to clients who have over £250,000 of investable assets. Please note, we do not offer a one-off share sale service below these amounts.

If you are interested in career opportunities at Canaccord Genuity Wealth Management, then please do not use this form to get in touch. Instead, please head over to our careers page to find out more.

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What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.


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.