Starting a business.
You've bet on yourself. We make sure the business pays you well, protects the people who rely on you, and builds wealth that would survive without it.
Your biggest asset is also your least diversified.
For most founders, the company is the income, the savings and the retirement plan, all in one place. That's fine while it's growing. It's dangerous if it's the only plan.
Each year we decide how much you take, in what form, what happens to the profit you leave in, and how much moves out of the business into assets you own outright.
Where £10,000 of profit ends up.
Take it as salary or as dividends and, as a higher-rate taxpayer, you keep about £5,000 once corporation tax, income tax and National Insurance have had their share.
Have the company pay it into your pension instead and all £10,000 goes in. A quarter can usually be taken tax-free later; the rest is taxed as income when you draw it.
What you'll have at the end.
A pay plan.
A protection review.
A personal reserve.
A wealth plan.
From the first year to the last.
Launch.
Grow.
Protect.
Plan the exit.
What clients ask us first.
Something not covered here? Ask us. We will reply within one working day.
How should I pay myself?+
A mix of salary, dividends and company pension contributions, set each year around your tax position and what the business can afford.
Should the company pay into my pension?+
Often, yes. Employer contributions are usually a business expense, and they move money out of the company without income tax.
What happens if I can't work?+
The business, and your family, depend on you. We size income protection, life cover and key person cover to the gap they would face.
How much should I keep outside the business?+
Enough that a bad year for the company isn't a bad year for your household. We set a personal reserve, then start building wealth beyond the business.
What should I do with surplus cash in the company?+
Cash in a business current account loses ground to inflation. Once the company has its working capital and a reserve, the rest can go into your pension, be invested by the company, or be drawn out over time. Each route is taxed differently, so we set the mix with your accountant.
Build a business that funds your life, not one that becomes it.
We’ll listen, tell you honestly whether we can help, and what it would cost.