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Independent financial planning for your client’s business 

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

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

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

Building and nurturing relationships

Selling a business that your clients have worked hard to build will be a complicated and emotive process. There are many elements to consider and finding the right partner who you are confident will support and value them, while ensuring their desired financial outcome is achieved, is paramount.

Our main objective is the same as yours: to protect your client’s legacy after a business sale and to ensure they feel confident, valued, and satisfied.

By working together with solicitors and accountants, our complementary wealth management expertise will ensure that, collectively, we provide your clients with a more comprehensive service and holistic approach to financial planning. We will help support them through the personal challenges they face as a business owner contemplating the sale of their business, and as they move beyond sale and into the type of retirement – or future life - they’ve worked hard to create.

   

Working together we can make plans for your client’s business with confidence

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

Get in touch

Our specialist wealth planning solutions

Our independent, fee-based wealth planning service starts with a strategic review of all your clients’ personal and business financial arrangements. We then build and maintain a long-standing relationship with them reviewing their plans regularly to make sure they are still working as they wish.

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

Our business financial planning services include:

Business protection

We can advise your clients on a range of protection services to help them deal with unexpected changes in their firm’s situation. Our independent wealth planners will help them decide what protection is most appropriate for their needs and put solutions in place to ensure the long-term survival of their business.

Business exit planning

If they have come to an exit, how would they plan for it as an individual? How much capital do they need to achieve their goals and objectives, following a sale or flotation? Our planners can help your clients to build a strategy that works for them, before, during and then after the sale of their business.

Benefits

A dedicated wealth planner will invest time getting to know your clients, and their company and business goals, so they can advise them on the most appropriate employee benefits to meet their 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. Our wealth planner will help your clients navigate the complexities and ensure they make the best decisions for their personal circumstances and their business.

Investments

Good investment management can help protect your clients’ future business and personal interests. A wealth planner working with our investment management team can help your clients capitalise on suitable investment opportunities.

End to end service

We know your clients’ time is precious, which is why we manage the entire process on their behalf. From liaising with product providers and investment managers to sorting out paperwork, we take care of everything and keep your clients updated at every opportunity.

   

Other wealth planning solutions

Comprehensive wealth planning

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

Find out more

Retirement planning

Bespoke planning, pension advice and cash flow modelling to achieve the retirement your clients want.

Find out more

Inheritance tax services

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

Find out more

Long-term care planning

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

Find out more

Working together we can make plans for your client’s business with confidence

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

Get in touch

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 and your clients 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).

Read more
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.

Read more
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.

Read more

See all blog posts

   

Some of our wealth planning experts

If you would like to know how our independent wealth planners, working collaboratively with solicitors and accountants, can help your business owner clients, please get in touch. We will be delighted to provide more details of our services.

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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.


LinkedIn
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Simon Moore

Wealth Planning Director

Simon is a Wealth Planning Director for Canaccord Genuity Wealth Management, providing bespoke wealth planning and portfolio management to high net worth individuals. He is a Chartered Financial Planner and member of the CGWM Advice and Solutions Committee.


LinkedIn
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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.   


LinkedIn

 

Want to know more? Get in touch

If you would like to know how our independent Wealth Planners, working collaboratively with legal and accountancy professionals, can help clients plan their financial future, please get in touch. We will be delighted to provide more details of our services.

Find out more about our independent wealth planning services.

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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.