Your accountant tells you what you owe.
Nobody tells you what to do about it.
Joined-up financial planning, built around how business owners actually run, pay themselves and exit. I’m working toward full FCA authorisation now — join the waitlist and you’ll be first through the door when I’m live.
What’s quietly costing you.
The hardest part isn’t fixing it — it’s noticing it in the first place. Any of these sound familiar?
Your pension is sitting under-funded
You’ve put a bit in. Your accountant mentioned it. But nobody has modelled what consistent director contributions actually do over 10–20 years — or what it costs to take that money any other way.
The business depends on you. Nothing protects either of you.
No key person cover. No income protection. No relevant life. If something happens to you, both the business and your family are exposed — even though you’d insure the company van without thinking.
You’re extracting profit the same way you did at £50k turnover
Salary, dividends, the odd bonus. It worked. But your situation has changed and your structure hasn’t. Most directors are leaving meaningful tax relief on the table every year without realising.
You’ve built something valuable. There’s no plan for what comes next.
Exit, succession, sale, inheritance — whatever “next” looks like, it gets dramatically more tax-efficient the earlier you plan. By the time it’s urgent, most of the options are gone.
What’s actually at stake.
Three figures every business owner should know. All sourced from HMRC and Swiss Re.
Source: HMRC, 2024–25 tax year.
Source: Swiss Re Term & Health Watch, 2023.
Source: HMRC, 2024 Autumn Budget.
The five areas that matter most.
Each one drills down into a dedicated guide. New topics added regularly.
Workplace Pensions & Employee Benefits
Auto-enrolment, group schemes, salary sacrifice and benefits packages — getting it right for retention as much as for compliance.
Read the guide →Business Protection
Key person cover, shareholder protection, relevant life and business income protection — the policies that keep the business intact when things go wrong.
Read the guide →Corporate Planning
Director remuneration, profit extraction, cash reserves and corporate investment — structuring the business around the long-term plan, not just this year’s tax bill.
Read the guide →Tax & Exit Strategy
Tax-efficient profit extraction, Business Asset Disposal Relief, succession and pre-sale planning — preparing the business and yourself for what’s next.
Read the guide →Funding Options
Loans, asset finance, equity, invoice finance and R&D credits — understanding the right kind of capital for the right stage of growth.
Read the guide →Want all of them, joined up?
That’s the whole idea — one strategy across the five, not five separate conversations. Join the waitlist and we’ll start when I’m live.
Join the Waitlist →Strategy, not product pushing.
A four-step process that’s the same for every business — though the conclusions never are.
Understand the business
How you pay yourself. Where the cash sits. Who depends on the income. Where you want to be in five and fifteen years.
Build the joined-up plan
Pension, protection, tax, exit, funding — viewed as one connected system instead of five separate decisions.
Arrange the right products
Whole of market. No tied providers. Every recommendation justified in writing, with the trade-offs spelled out clearly.
Keep it relevant
Your business will change. Tax rules will change. The plan needs to keep up — not gather dust in a filing cabinet for ten years.
Building this the right way.
I’m a trainee financial adviser working toward full FCA authorisation. I’m building this site to share what I know, develop relationships, and start the conversation with business owners before I’m live — not after.
When I’m authorised, the aim is to operate as a fully independent adviser: whole of market, no tied products, no commission-driven recommendations. The goal is finding the right answer for your business — not the right answer for me.
Independent advice means the best product for your situation — not the best fit from one provider’s range.
Fee structures explained upfront. If commission is involved, you’ll know the figure and why it’s structured that way.
Your pension, protection, tax position and exit plan are connected. The advice should be too.
More than just an email list.
Plain English guides
Topic-by-topic breakdowns of the financial decisions business owners face — written without the jargon.
Calculators & tools
Working models that let you stress-test your own numbers — from financial wellness to retirement income to cover needs.
A personal call before my books open
Waitlist members are the first conversation I have when I’m authorised — not the last. No generic mass email.
First through the door
When I open my books I’ll take on waitlist members first. The queue is real — capacity will be limited.
Things business owners often ask
You’re not authorised yet — why should I join now?
Joining the waitlist costs you nothing and locks in priority access when I’m live. I’ll be reaching out to waitlist members individually before opening my books, which means a head start over anyone discovering the site later. In the meantime, you get plain English insights on the topics that matter to your business.
I already have an accountant. Why do I need this?
Accountants are excellent at compliance, reporting and the tax position of the past year. Financial planning looks forward — how should you structure your pension, protection, exit and investments to support what you want to do in the next 10 or 20 years. The two roles are complementary, not competing. The best outcomes happen when your accountant and your financial planner talk to each other.
How is this different from a tied adviser or a firm like St James’s Place?
Tied advisers can only recommend products from their parent company’s panel — which means the advice is constrained by what they sell, not by what fits your situation. The aim here is full independence: whole-of-market recommendations, with the rationale written down clearly so you can see why each choice was made. Independence isn’t a slogan — it’s a structural difference in how the advice is built.
What will it cost when you’re live?
Fees vary by type of advice: mortgage and protection advice is usually commission-paid by the lender or insurer (no direct cost to you); investment and pension advice is typically fee-based or a percentage of assets under management. Whatever the structure, you’ll know the figure upfront before any work starts. No hidden costs, no nasty surprises.
I’m a sole trader, not a limited company. Does this still apply?
Yes — though some of the structuring (director pensions, dividends, shareholder protection) is specific to limited companies. For sole traders and partnerships, the priorities are usually personal pension contributions, income protection, and planning for incorporation if growth justifies it. The conversation starts the same: what does your situation look like, and what should it look like.
Is everything on this site educational only?
Yes. Until FCA authorisation is in place, nothing on this site constitutes financial advice or a recommendation to take any specific action. The content is designed to help you understand your options — not as a substitute for advice from a qualified, regulated adviser. The full compliance line is at the bottom of every page.
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