Business Financial Planning
Business Savings
Did you know that your company can make savings and investments into life assurance savings plans as individuals can?
In many ways these can be very tax efficient as they are taxed at 25% instead of 41% as for individuals.
As these Life assurance plans are taxed on gross roll up basis then there can also be a more efficient means of saving than a typical deposit from a bank.
They can also be used where funds may be required for future business expansion and where the company wants to build up a financial reserve for the future and can be an essential aid to business resilience.
Business Interruption Planning
Ensuring that your business continues where a a senior employee or Director dies is critical to the well being of the business.
There are a number of mechanism to ensure business continuation such as Keyperson insurance, Partnership, Co-Directors Assurance and Corporate Co – Directors Assurance.
It is important to review your succession plans with all business associates to ensure the correct cover is in place to ensure that a time of loss does not turn into a time of true crisis for the business.
Pensions and Corporate Benefits
At a time of full employment the benefits package that an employee has access to is a hugely important factor in addition to normal remuneration.
Even smaller companies can ensure that employees have access to pension benefit packages, death in service packages(with built in addons like Second opinion services, Online GP, bereavement counselling etc) and also Income protection packages in the event of illness or disability.
Senior employees can also have individual pension packages tailored to their own needs including direct property investing, ETF /Share investing or direct Deposit options.
Business Lending
Many businesses may wish to invest in residential or commercial property and we can assist the company to efficiently apply for and obtain flexible mortgage lending for its investment purposes.
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