SME
Financial
Planning
Secure your business future by speaking to our advisors about SME financial planning.
Secure your business’ future
Put protection in place to secure your business future by speaking to our advisors about SME financial planning.
Your people are your primary asset – are they insured?
You have built or are part of a business. Have you put the provisions in place to protect the future of that business from financial shocks caused by something happening the human assets of the business? Your premises and machinery are insured but are you as the directors or are your key employees insured by the business to protect the business?
Our Approach
We want to advise you as your business. As a business owner or director we seek to provide financial planning and guidance to help protect the business and its directors/shareholders/partners.
Through business protection and also advice on pension and death in service benefits for employees and tax efficient pension funding for company executives.
SME Financial Planning
Business Protection Plans
We work with businesses and business owners to choose protection & insurance that will provide peace of mind in the future.
Assure
Shareholder / Co-Director Protection
If a co-director or shareholder were to die, their share passes to their respective spouse. This can be problematic for the spouse and for the surviving director. Business protection can prevent this problem. A life policy which the company owns is put on each director in case of death. This life policy is used to buy back the deceased director’s share of the business. The spouse is financially compensated and the surviving director / shareholder / partner retains control of the business
Protect
Partnership Insurance
If a partner were to die, their share would most likely pass to their respective spouse. This can be problematic for the spouse and for the surviving director. Business protection can prevent this problem. A life policy which the company owns is put on each director in case of death. This life policy is used to buy back the deceased director’s share of the business.
insure
Keyperson Insurance
The business can insure a keyperson by putting a life or specified serious illness policy on them to protect the business if something happens to a key human asset. This keyperson may be guarantor on loans or their loss may cause a considerable loss to the company. Insure your key assets including your human ones.
Attract
Group Life Cover
If you’re a business owner, why not provide death in service benefits for your employees? This can be a very uncostly way of retaining key employees and making positions within your business more attractive. We can facilitate this process with just a list of employees. Also if you’re a director and are uninsurable this can be a way to get life cover.
grow
Executive Pension
An Executive Pension is an excellent way to fund for your retirement while also extracting retained wealth from your company in a tax efficient manner. Executive Pensions have very favourable rules in terms of the maximum contributions that can be made and are a huge opportunity for company directors to do significant pension funding.
plan
SME Pension Planning
Are you self-employed or in non-pensionable employment? Have you started planning or funding for retirement? A Personal Pension is a tax efficient way to invest in your future and start retirement planning. Your income will drop considerably in retirement; it is vital to have funded for this.
Business Cover & Protection
What happens to my shares if i die?
Your share in the business will be passed to your spouse. Are they prepared to join the business.
What happens if my partner/co-director dies?
Their shares will pass to their spouse, do you want to retain control of your business? With proper business protection the spouse can be financially compensated for their share and you as the partner/co-director retain control of the company.
I am a company director, what happens to my family if i die?
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Can I protect my business against the loss of a key employee through death/serious illness cover
Yes you company can take out a policy to protect the human assets of your business. Protect your company from financial shocks of something happening a key employee.
How can I extract wealth from my company tax efficiently
An executive pension is a vehicle of extracting funds tax efficiently from your company. Avoid corporation tax on the funds while gaining tax relief on funding your pension as part of your retirement planning.
FAQ
If you have any more question, please feel free to contact one of our advisors.
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Quick Contact Form
We are here to help answer questions you have in relation to your financial future. We re happy to answer any questions that you may have. We are also happy to meet with you here in our offices free of charge to discuss your financial plans.
Please fill in the form below and we will respond within 48 hours.
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