Welcome to a service dedicated to securing the financial future for you, your family and your business.

Business success requires a great deal of hard work and commitment. For many business owners the pressures of maintaining the pace in competitive markets mean that the future wellbeing of the business tends to take priority over long term financial planning.

In our experience successful people are often asset rich and time poor, so day to day business decisions invariably take priority. This may not be an issue in the short term however there are certain interrelated personal and business financial decisions which, if not addressed comprehensively, could potentially affect your future financial well being.

Whilst you may be very close to the everyday management of your business, how confident are you that relevant business risks are identified and managed effectively? Are your personal and business income and assets structured tax efficiently? Are you fully aware of the impact of legislation on your business? Do you have a clear idea of how you and your family's financial future can be secured?

Decisions taken now can have significant consequences that can mean the difference between a retirement free of financial concerns and one where your current aspirations may not be met.

We can work with you to develop an approach that will prepare you, your family and your business for whatever the future has in store. Working with you, we will implement and maintain a long term financial plan incorporating both your personal and business objectives. This provides you with the time and peace of mind to focus on the successful running of your business - because that is what you do best.

Our objectives aim to:

• Create financial independence from your business
• Ensure cash assets in the business are invested aiming to maximise returns and tax efficiency
• Establish an effective exit* or transition strategy
• Structure your remuneration tax efficiently and cost effectively
• Arrange appropriate agreements and insurance with your fellow shareholders to resolve disputes and maximise tax efficiency
• Identify and mitigate the liabilities that could be created by the loss of a key person
• Put in place or review existing employee benefits scheme including auto enrolment

Rising to these challenges whilst continuing to run your business successfully isn't an easy task. We can help you meet your financial objectives with the same level of professional skill and expertise that you so successfully deploy in your chosen market.

We need to consider if your family are protected against illness, death and that life events are properly planned for. We must ensure that tax efficiency is maintained at all times and that in the event of any unforeseen occurence your affairs are structured in a way that your family will benefit as you intend rather than other individuals or even HMRC.

Many business owners regard their business as their primary source of retirement planning - ‘My business is my pension’ is an expression often used. In other words, they expect to realise sufficient capital from the sale of their business to secure a comfortable retirement for themselves and their immediate family. For some, this will become a reality although for some it will remain an unrealised dream.

For these individuals their business provides them with a ‘lifestyle’ in the form of an income. Can you be sure that the sale of your business will provide a sufficiently large capital sum to guarantee the lifestyle you aspire to. Our service is specifically designed to assist you with long term planning to help you to achieve the maximum return possible from your most important financial asset - your business.

As a successful business owner you will be aware of the financial planning needs of your business. You will be aware that benefits are critical to recruiting and retaining staff, you may be concerned about auto enrolment and NEST and you will also know the importance of key person cover and protection.

However, you may not have the detailed knowledge and understanding to make informed decisions that will be of most benefit to your company.

Having worked with business owners for many years we can conduct a financial review of your business and make the necessary recommendations.

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.  Equities do not provide the security of capital associated with a deposit account with a bank or building society.

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' Place.

Auto-Enrolment products are not regulated by the Financial Conduct Authority.