Financial Planning for Business Owners
Advice for people whose business and personal finances are the same conversation.
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For most business owners the boundary between company and personal finances is administrative rather than real. Decisions about profit extraction, pensions, protection and eventual sale are all the same decision viewed from different angles, and advice that treats them separately tends to miss the point.
Where we tend to help
Getting money out efficiently. Salary, dividends and pension contributions interact, and the balance shifts as rules change. Dividend tax rises by two percentage points in 2026/27, which alters that arithmetic again.
Pensions as a business decision. Employer contributions are frequently the most efficient route available to a director, and a SSAS or SIPP can hold commercial property including, in some cases, the premises the business trades from.
Protecting the business and the people in it. Key person cover, shareholder protection and relevant life policies all sit here.
Planning towards an exit. Business relief for inheritance tax purposes changes from 2026/27, with 100% relief capped at £2.5 million per individual. Anyone whose plan assumed unlimited relief should look at it again.
Making Tax Digital
Making Tax Digital for income tax starts on 6 April 2026 for the self-employed and landlords with combined income over £50,000, with quarterly submissions and the first due by 7 August 2026. It is an administrative change rather than a planning one, but it catches people out.
A conversation first
The initial appointment is free and carries no obligation, at Bishop’s Waltham or West Byfleet.
The Financial Conduct Authority does not regulate tax advice. Tax treatment varies according to individual circumstances and is subject to change.
Occupational pension schemes are regulated by The Pensions Regulator. The value of your investment, and the income from it, can go down as well as up and you may not get back the full amount you invested.