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Financial Planning for Businesses

Owning a business can create complex financial needs, so good financial planning is key. We’ll help you to find the solutions that you need, and take time to understand the needs of you & your employees.

Owning your own business can be both rewarding and challenging in equal measures.

Taking time out to focus on what your business needs often means taking time away from your clients, but that doesn’t make it any less important. As with any type of planning, understanding and selecting the right options for you and your business is vital to your financial security. It provides peace of mind as often the most valuable asset to your business is you and your people. Without having the right planning in place you could risk everything you have worked for.

We aim to quickly understand not only your needs but also those of your business and employees as every business is individual. From there we will help you to formulate a plan and review this with you regularly as life has a habit of changing your plans along the way.

We can help you with:

  • Auto-enrolment – helping you to understand and comply with your duties and obligations as an employer.
  • Pensions – exploring a range of solutions that will provide yourself and your employees with tax efficient retirement benefits.
  • Employee benefits – reviewing your benefits and remuneration strategy to find cost effective ways of keeping your employees engaged.
  • Business planning – talking to you about the consequences of ill health or death and what you can do to mitigate this.
  • Tax mitigation – utilising simple steps to help you to reduce your tax liability which is acceptable tax mitigation and not illegal tax evasion.
  • Exit strategy * – fully considering how you will leave the business and what you can be doing to maximise the reward potential.

We also work with local business owners to deliver pension seminars to your team so they understand how to maximise their plans for retirement. These have been a huge success in creating financial wellbeing for your employees.

Discover how we can provide bespoke financial planning and advice and get in touch today to book a no-obligation chat.

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 sown as well as up. You may get back less than you invested.

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.

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

Auto-enrolment products are not regulated by the Financial Conduct Authority.

Review for Caroline

I sought financial advice as I am a business owner and wanted to put a strategy in place for both my personal and my business finances. Over the last couple of years I have had regular meetings with Caroline to put in place a strategy for both myself and my business. We have discussed what I am trying to achieve, by when and how best to meet my goals. Caroline has helped me to think differently about my plan and what I'm prepared to do to achieve my ultimate goal. As a result I have made changes to how much I am saving and how I protect myself. I feel like I can pick up the phone and talk to Caroline whenever I need to and that she'll always be there to provide me with the expertise I need. Working closely with Caroline has brought about benefits I wasn't expecting such as tax savings within my business and a clear plan for what I will do with my business when I come to retire. I sincerely recommend Caroline to anyone who wants to build a relationship with an adviser who truly cares about you and your finances.

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