Running a business leaves little time for anything else. You've invested your energy, resources, and capital into building something successful — but with that success often comes greater financial complexity. While you're focused on growing your company, your personal finances can end up taking a back seat.

We provide specialist financial advice that connects your business and personal goals.

Working collaboratively with your existing professional advisers, we take a joined-up approach — helping you maximise the value of your business and personal assets. From tax planning and cash flow to exit strategies and wealth preservation, we design tailored plans that bring clarity and control to your financial future.

Because success in business should support success in life.

Needs:

• Blending personal and business financial planning
• Efficient remuneration (salary/dividends/pensions)
• Exit, succession or sale preparation
• Managing business cashflow alongside personal wealth goals
• Employee Benefits Implementation

How We Help:

• Integrated business + personal planning
• We take a holistic approach by aligning our clients’ business and personal financial goals. Whether you're a business owner, director, or entrepreneur, we provide integrated planning that connects your corporate structures, remuneration strategies, and personal wealth objectives. This ensures efficient tax planning, optimised cash flow, and a cohesive long-term strategy for financial growth and security.
• Tax-efficient strategies to retain and grow wealth
• We help clients structure their finances to maximise tax efficiency, ensuring more of their wealth is preserved and positioned for long-term growth. From investment wrappers to business and estate planning, our strategies are tailored to your unique circumstances.
• Cash Flow Forecasting
• Effectively managing your finances is key to achieving long-term stability and reaching your goals. We take the time to understand your income, outgoings, savings targets, and financial responsibilities. From there, we assess your existing assets, projected savings, and available tax allowances to build a comprehensive, personalised cash flow plan. This dynamic tool not only adapts as your circumstances evolve but also allows us to model different scenarios — such as varying inflation or growth rates — to see how they could impact your future plans.
• Exit and succession planning for peace of mind
• Whether you're planning a business exit or thinking about the next generation, we provide strategic advice to help you transition smoothly and tax-efficiently. Our focus is on preserving value, protecting your legacy, and giving you confidence in the future.
• Employee Benefits

• • Attractive employee packages do more than offer financial rewards — they play a vital role in supporting staff wellbeing, encouraging long-term retention, and preparing employees for the future. A well-designed benefits strategy demonstrates that you value your team beyond their day-to-day contribution.

We work closely with employers to create tailored employee benefit packages that align with both organisational objectives and employee needs. Through our access to a panel of trusted providers, we can offer a comprehensive range of benefits — including group life insurance, income protection, private healthcare, and dental cover.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.
 
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James's Place.