Business Owners
Helping Business Owners Build, Protect And Preserve Their Wealth
Running a successful business brings opportunities, responsibilities and challenges.
Business owners often find themselves balancing the needs of their business with their personal financial goals, family commitments and future aspirations.
Whether your objective is growing your business, protecting its value, extracting profits tax-efficiently, planning for retirement or preparing for succession, professional financial planning can help provide clarity and confidence.
At Infinity Financial Planning, we work closely with business owners to help align their business and personal financial objectives through tailored advice and long-term planning.
The Challenges Facing Business Owners
As a business owner, your financial circumstances are often more complex than those of an employee.
You may be asking yourself:
- Am I extracting profits from my business efficiently?
- How much should I contribute to my pension?
- How can I protect my family and business if something happens to me?
- What happens to my shares if a shareholder dies or becomes seriously ill?
- How can I reward and retain key employees?
- Am I building sufficient wealth outside my business?
- How can I prepare for retirement or a future sale?
- Is my business succession plan fit for purpose?
These are important questions that can have a significant impact on both your business and personal financial future.
How We Help Business Owners
We take time to understand your business, your personal circumstances and your long-term objectives before recommending solutions.
Our advice is designed to support both your commercial ambitions and personal financial goals.
Business Protection
Many businesses rely heavily on key individuals.
Without appropriate planning, the death or serious illness of a director, shareholder or key employee can create significant financial and operational challenges.
We can advise on:
- Shareholder Protection
- Partnership Protection
- Key Person Protection
- Business Loan Protection
- Executive Income Protection
- Relevant Life Plans
Pension & Retirement Planning
Business owners often have unique opportunities to build retirement wealth in a tax-efficient manner.
We can help with:
- Director Pension Planning
- Employer Pension Contributions
- Retirement Planning
- Pension Consolidation
- Succession Planning
- Retirement Income Strategies
Protecting Your Family
Business success should help create financial security for those closest to you.
We can help you review:
- Life Insurance
- Critical Illness Cover
- Income Protection
- Family Protection Planning
- Mortgage Protection
Wealth Building & Tax Efficiency
Many business owners accumulate significant value within their company but may have relatively little wealth outside the business.
We can help you develop a strategy designed to build personal wealth alongside business growth.
Areas may include:
- ISA Planning
- Investment Planning
- Tax-Efficient Savings
- Estate Planning
- Inheritance Tax Considerations
- Intergenerational Wealth Planning
Planning For The Future
Whether you intend to continue growing your business, pass it to the next generation or ultimately sell it, planning ahead can help maximise flexibility and future opportunities.
Financial planning should evolve alongside your business and personal circumstances.
Regular reviews can help ensure your plans remain aligned with your objectives.
Our Approach
We believe the most effective financial planning starts with understanding you, your business and what success looks like from your perspective.
Rather than focusing solely on products, we focus on helping business owners make informed decisions that support both their commercial ambitions and personal financial goals.
Why Business Owners Work With Us
Personal Advice
Every business owner’s circumstances are different. Our advice is tailored to your individual business and personal objectives.
Joined-Up Planning
We look at both your business and personal finances to help create a coordinated long-term strategy.
Long-Term Relationships
As your business evolves, we provide ongoing support and guidance to help keep your plans on track.
Frequently Asked Questions
Can my business pay pension contributions on my behalf?
In many circumstances, employer pension contributions can provide a highly tax-efficient way of building retirement wealth. Tax treatment depends on individual and business circumstances.
What is shareholder protection?
Shareholder Protection is designed to help provide funds to enable remaining shareholders to acquire a deceased or critically ill shareholder’s interest in the business, subject to policy terms.
What is a Relevant Life Plan?
A Relevant Life Plan is a tax-efficient life insurance arrangement that can be established by a business for the benefit of an employee or director.
How can I build wealth outside my business?
Many business owners use pensions, ISAs, investments and estate planning strategies to diversify their wealth and reduce reliance on a future business sale.
When should I start succession planning?
Succession planning is often most effective when considered well in advance of retirement or an anticipated business exit.
Suggested Call To Action
Your business is one of your most valuable assets.
Whether you are looking to protect it, grow it, reward key people or prepare for the future, we would be pleased to discuss your circumstances and objectives.
Contact us today to arrange an initial conversation.