Fixed-fee financial planning for business owners and families approaching retirement. We connect the business, pensions, investments, tax and future income into one clear plan.
Build personal wealth outside the company and prepare to sell, step back or keep going by choice.
Planning for business owners →Work out when you can stop, where income should come from and how much you can spend.
Retirement income planning →If one feels familiar, start there.
Build personal wealth beyond the company, so your future is not dependent on one asset or one eventual sale.
Planning for business owners →Separate working capital, reserves and genuine surplus before deciding what to invest, extract or leave alone.
Retained-profit planning →Create the income, tax and investment plan for life after the business before making the big decisions.
After-the-sale planning →The fee reflects the work and complexity involved, not the amount you invest. It does not rise automatically when markets do.
Company cash, extraction, pensions, investments and future income are considered as one household plan.
Colin writes the plan, gives the advice and stays involved when something changes.
I trained as an accountant and spent much of my career as a management consultant, so I naturally look at the whole picture: the business, the household, the tax, the investments and what the money ultimately needs to do.
I set up Chapter3 after reaching my own version of financial independence. I keep the client list deliberately small, so I write the plan, give the advice and stay involved when circumstances change.
More about Colin and Chapter3A 30-minute call is usually enough to work out whether we are a fit and whether there is enough value in working together.
Book a 30-minute call with Colin