Wealth Management and Financial Planning focused on your future
028 7035 1164
For business
You’ve built a great business.
Does your financial plan reflect that?
Most business owners we meet are doing well — profitable, growing, working hard. But when it comes to their personal finances, they’re doing what they can rather than what they should. Decisions about salary versus dividends, pension contributions, retained profits and investment have been made on the fly, without a joined-up plan.
That’s not a criticism. Running a business is all-consuming. But it does mean there’s almost always significant money being left on the table — in unnecessary tax, in underperforming assets, or simply in decisions that haven’t been made yet.
The questions we help you answer
When we work with business owners, we typically start by addressing the questions that have been sitting at the back of their mind:
- Am I extracting income from the business in the most tax-efficient way?
- Is my pension doing what it should — and am I contributing enough?
- What happens to my personal wealth if the business hits a rough patch?
- Do I have a clear picture of what financial independence actually looks like for me, and a plan to get there?
These aren’t complicated questions. But they need someone who understands how business ownership and personal finance interact — and who will be proactive about bringing the answers to you, rather than waiting to be asked.
What we do For Business Owners
We work with limited company directors and business owners to build a personal financial plan that fits around the business — not one that ignores it. That includes reviewing how you take income, making sure your pension is structured correctly, looking at how business assets and personal assets relate to each other, and planning for the long term — whether that means an eventual exit, passing the business on, or simply building enough outside the business that work becomes optional.
We also keep an eye on changes in tax legislation and let you know when something relevant comes up. You won’t need to ask.
Featured Client Story
"Up until now we have been winging it"
The first meeting is straightforward — we’ll get a sense of where you are, what you’re trying to achieve, and whether we’re the right fit for you. There’s no obligation and no jargon.
Call us on 028 7035 1164 or email hello@gibsonfp.com
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