For owners who want to sell, step back, or put spare company cash to work. Wealth that doesn't depend on a perfect exit. One fixed fee, in pounds, agreed upfront.
Before any deal: work out what the household actually needs from the sale, put extraction and pensions in order, and keep the price and the timing your choice.
Preparing for exit → Just sold, or about to completeAfter completion: where the proceeds should sit, the tax position, protecting the cash, and income to replace the salary and dividends.
After you sell → More cash in the company than it needsDecide how much is genuinely surplus, then whether to leave it, extract it, fund a pension or invest it inside the company.
Cash in your company → Stepping back without sellingWork out what the household needs to make work optional, then compare stepping back, appointing leadership or carrying on because you want to.
Business Freedom Plan →An independent check of the advice or plan you already have, before you act on it or while you are wondering whether it still fits.
A second opinion →Not sure which fits? That is what the first call is for.
Book a 30-minute introductory callIf most of your wealth, income and future choices still depend on the company, you are still financially dependent on the business.
At some point, the question changes from "how do we grow it?" to:
A business sale should be about timing and price, not necessity. If you have to sell, you have less control.
Most owners have a number in mind. It is often based on what they hope the business might sell for, rather than what the household actually needs.
I calculate the personal wealth and income required to make work optional. I call that your Freedom Number.
Once it is clear, you can compare the real options: sell, step back, extract more, appoint leadership or keep going because you choose to.
The work usually includes:
The aim is simple: move from "we should probably do something" to a clear sequence of decisions.
A business owner aged 49 wants the option to step back at 56.
The company is profitable and holds £500,000 of cash, but most of the family's wealth is still tied to the business. Personal pensions and investments total £650,000.
The planning work is to:
The aim is not to predict the perfect sale price. It is to make sure the owner has choices if the sale is delayed, the valuation disappoints or they simply decide to keep the business.
Illustrative only. Actual planning depends on individual circumstances, tax rules and business structure.
For a business owner, the first decisions are often about company cash, extraction, pensions, debt, protection and building wealth outside the trading business.
Only then do we decide how the money should be invested.
Because my fee is fixed, I can recommend holding cash, repaying debt, funding pensions, making gifts, leaving money in the company or investing — whichever best fits the plan.
You already plan for the business. My job is to plan for the family that owns it.
Investments still matter. They are simply one part of the wider plan.
Read the Chapter3 Investment Philosophy →A practical guide to the six decisions that matter most before a sale, step-back or move towards financial independence.
It covers your Freedom Number, profit extraction, pensions, Plan B wealth, protection and the routes available when the business no longer has to carry the whole plan.
A 30-minute call is usually enough to work out whether the Business Freedom Plan is relevant to your situation and whether there is enough value in working together.
Book a 30-minute introductory call