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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.

Financial planning for all types of business owners

Whether you’re a sole trader, a small business owner or managing a growing enterprise, having a clear financial strategy can help you secure stability, maximise profits and plan for the future. At Yorkshire Financial Planning, we provide expert guidance to help your business navigate financial complexities and build a strong financial foundation.

Create a solid plan for sustainable growth

Good financial planning isn’t just about balancing the books – it’s about creating a roadmap for success. Without a clear plan, businesses risk cash flow problems, inefficient tax management and missed opportunities for growth. Effective financial planning helps to achieve the following and more:

  • Maintain healthy cash flow and working capital
  • Reduce tax liabilities and maximise allowances
  • Protect your business against financial risks
  • Plan for future expansion or investments
  • Ensure long-term financial security for you and your employees

Managing business cash flow and expenses

Cash flow is the lifeblood of any business, yet many business owners struggle to manage it effectively. Without a clear plan, unexpected expenses or late payments from clients can quickly cause financial strain. Working with your accountant our advisers can help you develop a strategy for:

  • Tracking and forecasting cash flow: Ensuring you always have enough liquidity to cover expenses.
  • Reducing unnecessary costs: Identifying areas where savings can be made without affecting operations.
  • Managing debt and credit efficiently: Making sure that borrowing is structured in a way that supports your business goals.

Business protection and risk management

Unexpected events can have a huge impact on a business, whether it’s a key employee becoming ill, a legal dispute or an economic downturn. Having the right financial protections in place can help safeguard your business against risks. Key considerations include:

  • Business protection insurance: Covering key personnel, liabilities and business continuity in case of unexpected events.
  • Income protection and critical illness cover: Ensuring that you and your employees are financially secure in case of serious illness or injury.
  • Succession planning: Creating a plan for the future of your business, whether through a sale, transfer or management handover.

Retirement planning for business owners

Without a structured pension plan, many business owners find themselves financially vulnerable later in life. We can help you with a wide range of retirement planning elements:

  • Set up and contribute to a tax-efficient pension scheme: Making sure you benefit from available tax reliefs.
  • Plan for business exit or succession*: Helping you transition out of the business smoothly when the time comes
  • Help secure long-term financial security: Developing a retirement
    strategy that aligns with your business and personal goals.

Tax-efficient financial planning for businesses

Tax can be a major cost for businesses, but careful planning can help you take advantage of allowances and reliefs to minimise liabilities. Working with your accountant our financial planning services can assist with:

  • Structuring your business tax-efficiently: Advising on company structure, dividends and allowances to maximise tax efficiency.
  • Making the most of capital allowances: Helping you claim tax relief on business expenses, equipment and investments.
  • Optimising director and shareholder remuneration: Ensuring salary and dividends are structured in the most tax-efficient way.

Supporting your employees with financial wellbeing

Employee benefits and financial support can make a big difference in attracting and retaining top talent. Offering workplace pensions, employee insurance and financial wellbeing programmes can help keep your workforce happy, motivated and secure. Our services include:

  • Workplace pensions: Helping you set up and manage auto-enrolment pension schemes.
  • Group life and health insurance: Providing employees with valuable
    financial protection.
  • Financial education and wellbeing
    support:
    Helping employees make informed financial decisions for their future.

Improve your business finances today

Whether you’re looking to improve cash flow, reduce tax liabilities or plan for the future, expert financial advice can help your business thrive. At Yorkshire Financial Planning, we offer tailored financial planning for businesses of all sizes, helping you build a secure and successful future. To book an appointment, give us a call on 01482 275540 or fill in our contact form.


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.

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.

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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