As a business owner, your financial future deserves the same attention as your company’s.

Running a business takes a lot of time, energy and focus, so it’s no surprise that your own financial goals (and even the protection of the business you’ve built) can end up slipping down the list. When you’re juggling day-to-day decisions, planning for your own and your team’s financial future often gets pushed aside.

But as a Director, looking after your personal finances is just as important as running the business itself. Things can get complicated quickly, and having a clear plan in place makes a huge difference in staying secure long term. Getting the right financial guidance can help you stay on track with your goals while you get on with doing what you do best — growing your business.

How we can help

We support businesses by making auto-enrolment simple and compliant, handling everything from setting up the right scheme to ongoing governance, employee communication and ensuring contributions are processed correctly. This takes the administrative pressure off your team and reduces the risk of costly mistakes.

For directors and key individuals, we can also design tailored executive pension solutions that are more flexible and tax-efficient than standard workplace schemes. This helps you make the most of company contributions, plan for retirement strategically, and align pension benefits with wider business goals.

Having a robust shareholder protection in place, ensures your company and remaining owners are financially secure if a shareholder dies or becomes critically ill.

With the right agreements and insurance in place, your business can continue smoothly, families receive fair value, and ownership stays in the hands of the people best placed to run the company.

Your employees are your greatest asset and the financial impact if something happened to a key member can be devastating. We arrange tailored protection so your business has the funds to cover lost profits, recruit replacements, or stabilise operations during a difficult period.

With the right Key Person cover in place, your business is better protected against unexpected disruption, giving owners, employees and stakeholders greater confidence and continuity.

We help businesses design and implement employee benefit packages that attract, retain, and support their staff. This includes selecting the right mix of pensions, insurance, and wellbeing benefits, ensuring they’re cost-effective for the business and valuable for employees.

Main Benefits covered:

  • Group income protection
  • Death in service
  • Private medical Insurance

We help business owners build a clear and achievable exit strategy by assessing their financial goals, the value of the business, and the options available, whether that’s a sale, succession, or a phased exit. I make sure the plan aligns with both personal and business objectives, so you can step away on your own terms.

With a well-thought-out strategy, you gain clarity, confidence, and a smoother transition into your next chapter.

Our Approach:

We know that running a business leaves little time to focus on your own finances. That’s why we take a people-first approach, getting to know you, your business and your long-term goals so we can provide advice that supports both your personal and professional life.

Your adviser will create a tailored plan covering the essentials for business owners: protecting your business and income, planning for retirement, managing investments and passing on wealth efficiently. As your circumstances change, we’ll be here with ongoing guidance to keep everything aligned.

You’ll also receive regular reviews to ensure your plan stays on track, taking account of shifts in your life, your business and the wider market. Our aim is to give you clarity, confidence and a strategy that grows with you.

 

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.

Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.

Auto enrolment is not regulated by the Financial Conduct Authority

Contact us

Lets Get Started

Book your
no-obligation consultation

Book your 30 minute video consultation now. Select the time that works best for you and we’ll send you an invite to join a video call. We look forward to meeting you!

Alternatively, get in touch using the details below:

Phone:

07500514524

Email

nicholas.cordingley@sjpp.co.uk

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