Business Owners - Headway Wealth
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Much ‘standard’ financial planning is built around a template that assumes you earn a regular, predictable salary. That couldn’t be less appropriate if you run your own business.

Your lifestyle needs may be no different from a salary earner, but the way you earn money will be very different. Your salary may be lumpy. You may pay yourself dividends. You may be working towards an eventual sale and a lump sum that will materialise many years down the line.
This can have a huge impact on the ways you borrow and invest.


BUSINESS OWNERSHIP NEEDS

You may have a company pension scheme, a company car and a company healthcare policy. Business ownership brings with it a very different set of needs, challenges, and rewards.

It’s crucial to understand your sources of income, your professional plans and aspirations and the age at which you’d like to retire. As does your family situation and your exit strategy from your business. In many cases, the two may be linked as you hand the latter on to the former.

UNDERSTANDING YOUR PERSONAL CIRCUMSTANCES

The best way forward will, of course, depend on where you, your business and your family are right now and where you want to get to. That’ll mean asking you a lot of questions and doing a lot of listening.

BUILDING A FINANCIAL PLAN

With a more in-depth understanding of your business, your income and dividends, your debts and any savings or investments you may have in place, we can start to build a plan to build the future you envisage for your business and your family.

This will, of course, take account of the swings and roundabouts of business ownership. Your vision for the business and your role within it will be crucial, as will your exit strategy from business life. This will link to pension planning, risk management along with other financial factors.


PREPARING FOR RETIREMENT

Ultimately, a great plan will enable you to make a seamless, stress-free transition from business ownership to full (or part-time) retirement. Any plan we create will need to be agile, but that shouldn’t stop you from building a retirement plan that is tax-efficient and sustainable.

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Let’s Make Headway

Yes, there’s a lot to take into account. And there are no easy short-cuts. Which is why we’d love to start making Headway. Let’s get talking and develop a financial plan built entirely around your needs and plans for the future.

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SOME OF THE QUESTIONS WE’LL ASK YOU

When you’re busy running a business, it can be difficult to manage your finances. As a business owner, your journey will need to be as flexible as possible, leaving room for the slings and arrows that come hand-in-hand with business ownership.   By chatting to you, we’ll be able to understand what opportunities you may have in place and how we can help you make the most of them.  So, we’ll ask a range of questions including:

  • How long have you been self-employed?
  • Is your business profitable?
  • What are your plans for the business in the short and longer-term?
  • How much are you contributing into your pension?
  • Have you made any corporate investments?
  • How can I reduce my taxes?
  • Have you set up life insurance through the business?
  • Do you have any commercial property and mortgages?
  • Do you have an exit strategy for your business?
  • Do you have any shareholder protection in the case of death?

WAYS WE CAN SUPPORT BUSINESS OWNERS

Building a financial plan around your personal and business needs.

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Managing your cash savings and investing in stocks, shares, property, ISAs.

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Pension planning, pension consolidation, pension finding and managing your pension contributions.

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Advising you on corporation tax, income tax, inheritance tax and capital gains tax plus investing tax-efficiently into ISAs and pensions.

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Commercial mortgages, buy-to-let mortgages and remortgages.

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Income, critical illness, life insurance and shareholder protection.

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A retirement plan to allow you and your family to relax.

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Will writing, trusts, estate planning and administration.

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Capital at risk. Your home pay be repossessed if you do not keep up with repayments.

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