Running your own business can feel overwhelming at times, especially when it comes to managing your personal and business finances alongside everything else. We help business owners, small business owners, and self-employed individuals cut through the complexity and build a solid plan for their financial future.
For most business owners, personal finances and business finances are inseparable. Your company may be your primary income source, your largest asset, and your retirement plan all at once.
Unlike employees, small business owners and entrepreneurs have to actively create their own financial security. We bring clarity to your full financial position and build a plan that makes your personal goals and your business goals work together.
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We work across four core areas to make sure your finances are always pulling in the same direction.
A clear picture of where your business and personal finances stand today.
Your cash flow, assets, income, and personal wealth assessed to build an honest view of where you stand, whether you run a limited company, a social enterprise, or are just starting out.
Keeping more of what your business generates working for you.
How you take money out of your own business has a significant impact on your tax treatment, which depends on your individual circumstances and can change over time. We help you structure the most efficient combination of salary, dividends, and pension contributions for your situation.
Protecting your business, your key employees, and your financial future.
From shareholder protection and business insurance to employee benefits and cash flow management, we put the right structures in place to protect against financial loss and keep your business secure.
Building the exit your business deserves, long before you need it.
The right succession planning starts years before you're ready to sell or step back. We help small businesses structure their exit to minimise tax and protect the wealth from a sale for the long term. Some aspects of Exit Strategies may include the referral to services not provided by SJP.
"Ask me about navigating complex financial decisions at life's biggest moments, or how to act in a blockbuster."
"Ask me about what policing and financial advising have in common, because the answer surprises most people."
"Ask me about what bespoke really means, because it's not what everyone thinks."
"Ask me about what a real conversation can add to your financial plan."
"Ask me about building a character or why the easiest question is "Why start now?"."
"Ask me about what the Royal Marines and policing taught me about showing up for people."
"Ask me about what a good conversation can do for a long term financial plan."
"Ask me about the most memorable moment from a financial literacy workshop I've run."
"Ask me about what fifteen years working behind the scenes taught me about financial planning."
"Ask me about what I've learnt from twenty-five years of doing exactly what I said I would."
"Ask me about what I've learnt working with clients from their first savings plan to retirement."
"Ask me about the top three questions people ask at an inheritance planning seminar."
"Ask me about what navigating my own family estate taught me about why advice matters when you least expect it."
"Ask me about the most common misconception people have when they first sit down with me."
"Ask me about the question I ask every new client before I say anything else."
"Ask me about my love of nature, or why income protection matters more than you think."
"Ask me about what thirty years advising charities taught me about how to advise individuals."
"Ask me about the moment a client said I'd made the most complicated decision of their life feel simple."
"Ask me about landing a light aircraft solo, or why I also compete in Muay Thai."
"Ask me about what thirty-five years of client relationships has genuinely taught me about trust."
"Ask me about why I think the best financial plan is the one built entirely around you."
"Ask me about why keeping your options open is the most underrated principle in financial planning."
"Ask me about which festival I'm going to next or what critical illness means to me."
"Ask me about the biggest lesson thirty years in banking taught me that I still pass on."
"Ask me about why I believe no two financial plans should ever look the same."
"Ask me about what's changed most in financial services since 1992, and what hasn't changed at all."
"Ask me about why I think how well you know your clients is the only measure that matters."
"Ask me about why genuinely bespoke advice and off-the-shelf solutions aren't even in the same category."
"Ask me about my favourite cuisine to cook, or why the first meeting is the most important."
"Ask me about what's stayed constant in financial planning over twenty years, and why it matters more than what's changed."
"Ask me about why I think the best financial plans are built over decades, not meetings."
"Ask me about what the Aspiring Adviser programme was really like and what I know now that I didn't then."
"Ask me about what people at the top of their careers actually worry about, you might be surprised."
"Ask me about why I love the conversations I have with clients' children more than almost anything else."
"Ask me about helping clients achieve financial freedom since 1994 or life with four grown-up children."
"Ask me about what fourteen years in the Royal Navy teaches you about staying calm under pressure."
"Ask me about what thirty years in financial services taught me about advice people actually follow."
"Ask me about what moving from bank branch manager to financial adviser actually taught me."
"Ask me about why I think the best financial plans are always built slowly."
"Ask me about why the ongoing relationship matters more than any single piece of advice."
"Ask me about my favourite ski run, or why clients who plan across generations sleep better."
"Ask me about why financial confidence is one of the most life-changing things a person can build."
"Ask me about why I think financial education in schools matters just as much as advice."
"Ask me about what running a business taught me about what clients really need from an adviser."
"Ask me about the one client conversation that stayed with me longest."
"Ask me about why making financial planning feel stress-free is harder than it looks."
"Ask me about what four decades in financial services teaches you about staying calm."
"Ask me about the difference my advice has made to my clients' lives."
"Ask me about the most interesting financial situation a client's ever brought through the door."
"Ask me about what fifteen years running a business taught me that changed everything."
"Ask me about the conversation I had with a client's teenager that changed how I think."
"Ask me about what thirty years in this industry has taught me about sticking to a plan."
"Ask me about my dog Olive and why she's my best conversation starter."
"Ask me about the moment a business owner finally stops worrying about money."
"Ask me about what I think separates advice clients trust from advice clients accept."
"Ask me about why a financial adviser's reputation is built in the quiet moments."
"Ask me about the thing people worry about most that almost never turns out to be the problem."
"Ask me about what financial freedom actually looks like the moment a client achieves it."
"Ask me about why the decisions people make just before retirement matter more than anything else."
"Ask me about why I think consistency is the most underrated quality in a financial adviser."
"Ask me about which golf course beginning with X I'm trying to find next."
"Ask me about what my family has taught me about long term financial planning."
"Ask me about why I think the first conversation is always the most important one."
"Ask me about what a DIY project and a financial plan have in common."
As a Principal Partner Practice of St. James's Place, the suitability of the advice we give regarding SJP wealth management products is fully guaranteed, giving you unparalleled peace of mind. Every recommendation is made by a qualified financial adviser, regulated by the Financial Conduct Authority, and built around your business goals and personal financial ambitions.
We believe in total transparency. Before you commit to any business financial planning strategy, we outline every single cost upfront, no hidden charges, no surprises, and no obligation to proceed until you are completely comfortable.
Read and compare our charges.Here are some of the questions people think of before they seek out financial advice for business owners
A good financial adviser does far more than manage your investments. They help you separate your personal and business finances effectively, structure your profit extraction tax efficiently, plan for future costs, and model what-if scenarios so you’re never caught off guard. Effective financial planning also means preparing for the unexpected, whether that’s a key employee suffering a critical illness, a downturn in revenue, or the moment you decide it’s time to sell. The earlier you engage, the more options you have.
Your magic number is the amount you’d need from the sale of your business to fund the lifestyle you want for the rest of your life. It’s one of the most important figures in business financial planning, and one that most owners have never actually calculated. Knowing it changes how you think about everything from your exit timeline to how you structure your business today. We help you work it out, then build a plan around it.
There’s no obligation to proceed after your first conversation. Any fees are agreed upon upfront, before you commit to anything. We use that initial meeting to understand your business, your personal financial situation, and your goals, then show you what good advice could look like for you. You decide whether to take it further. Most business owners tell us they wish they’d had that conversation sooner.
For most business owners, paying for financial advice provides significant benefits. Tax-efficient profit extraction, smart pension planning, and having the right business protection in place can all make a material difference to your personal wealth over time.
Cash flow management alone, proactively monitoring and forecasting rather than reacting, can be the difference between a business that grows and one that stalls. The cost of good advice is almost always outweighed by the value it creates.
Every business is different. Whether you are just starting out, growing fast, or thinking about what comes next, the right financial advice can make a very significant difference to where you end up. Book a completely no-obligation meeting with one of our business financial specialists today. Contact us to book a no-obligation meeting
Fusion 1, 1000 Parkway, Whiteley Hampshire, PO15 7AA
