FAQs
To make things easier, we’ve pulled together the most common questions business owners ask when they begin planning.
If your question isn’t covered, feel free to drop me a line.
FAQ’s
Your Freedom Number is the amount of invested wealth you need so that work becomes optional. We calculate it using detailed cash-flow modelling that considers business value, personal assets, tax, spending and lifestyle goals. The plan shows the earliest date you can step back without risking your long-term security — and how close you are today.
For most directors, the right blend of salary, dividends and pension contributions keeps tax low while building personal wealth outside the company. We map how each pound extracted today affects your future independence and use your pension as a powerful, corporation-tax-deductible savings tool.
Holding large balances in a business current account feels safe but loses value to inflation. If the funds aren’t needed for operations, you can invest via a corporate investment account or corporate pensions, keeping returns inside a tax-efficient structure. We help balance liquidity, safety, and long-term growth
Yes — a SSAS or SIPP can own commercial property or certain investments, allowing rent and growth to be received free of corporation and capital gains tax. The property can even be leased back to your own company on commercial terms. We ensure compliance with HMRC rules so your pension works as a business asset, not just a future income pot.
A shareholder or partnership protection plan ensures that ownership transfers cleanly and the surviving partner or family receives full value. Combined with key-person cover, it keeps the business trading and protects personal wealth. We structure these policies within the company for tax efficiency and minimal disruption.
Without clear planning, family and colleagues can face frozen accounts, disputed ownership, and unnecessary tax. Coordinating your will, share agreements and pension nominations avoids this. We design integrated estate and succession plans so wealth passes tax-efficiently and your business legacy continues smoothly.
After a sale, the challenge shifts from creating wealth to preserving and drawing it safely. Our post-exit planning uses cash-flow forecasting, investment diversification, and “guardrail” withdrawal strategies to ensure your money provides lifelong income — without the risk of running out or dying with too much unspent.
Balancing reinvestment with personal diversification is key. We build a Plan B portfolio using ISAs, pensions and investment accounts designed to grow independently of your company. This protects your lifestyle if business fortunes change and gives you more freedom over when and how you work.
You can gift assets gradually using trusts, family investment companies and lifetime allowances, keeping oversight while reducing future IHT. We model the impact of each approach on your cash-flow and tax position so you can help the next generation confidently, not hastily.
Because income stops but lifestyle doesn’t. Without a plan, higher spending, poor sequencing of withdrawals, and avoidable tax erode capital. Our Business Freedom Plan process aligns your spending, investments and tax strategy around one goal — ensuring your wealth lasts as long as you do.
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