BUSINESS FINANCIAL PLANNING

CORPORATE INVESTMENTS

There will be situations in which a company has surplus funds that it doesn’t want to distribute and which can’t be reinvested in the business. In such situations the company could consider investing those surplus funds in a way that would generate a better return (net of tax and expenses) than that achievable on ‘simple’ bank deposits. 

PENSIONS

If you have a limited company, contributing to a pension can bring significant tax advantages.  If you run your own business and it’s incorporated as a limited company, you can make personal contributions to a pension or you can make contributions through your company.

GROUP LIFE AND CRITICAL ILLNESS

As an employer, you don't need us to tell you that your employees are your most valuable assets. Because of that, offering them financial protection from a range of critical illnesses makes good business sense. This money could take some of the added pressures off your employee, so they can focus on getting well.

EMPLOYEE CONSULTATIONS

Employers are starting to realise that facilitating employees access to financial planning is as much as an employee benefit as pensions and insurance.

KEY PERSON COVER

 

Key Person Insurance allows you to protect your business from the financial impact of losing a key employee (including owners and managers), whose death or illness would have a significant impact on the financial position of the business.

SHAREHOLDER PROTECTION

 

 If a partner or shareholder dies or is diagnosed with a critical illness, the proceeds help the remaining owners buy the affected individual’s share of the business. Without protection, the surviving owners could lose control of the business, impacting on-going success.

RELEVANT LIFE COVER

A tax-efficient way for small businesses to offer death-in-service benefits to their employees, including salaried directors.