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Global Capital Markets Investor Relations Wealth Management:  CA  |  AU 

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Wealth management services for your business owner clients

Business owner wealth management is about taking the right steps to achieve your clients’ commercial and personal goals while protecting their business.

Your business owner clients may have substantial financial assets, but little time to ensure their wealth is working as hard as they are. Or it may be time to plan their exit from a business to which they’ve devoted many years of their life. 

By joining forces with you to support your business owner clients we can ensure that all their wealth planning needs are being met. Before, during and after the sale of their business.

Our highly qualified independent wealth planning experts specialise in providing strategic and forward-thinking advice and practical plans on business continuity and business exit strategies, including tax mitigation, pension and retirement planning.

Building a close working partnership with solicitors and accountants

Running and selling a business is a complicated and emotive process. That’s why it’s vital to find the right wealth management partner – you need to be confident they will support and value your business owner clients and help them to achieve their desired financial outcome.

Our main objective is the same as yours: to protect your client’s wealth while they run their business and when ready, support them during and after a business sale to ensure they feel confident, valued and satisfied.

Together, we can provide your clients with a comprehensive service and holistic approach to wealth management. We will help support them through the personal challenges they face while running their business, when contemplating and completing a sale, and beyond into the future they’ve worked hard to create.

   

Discover how working together we can support your business owner clients’ wealth with confidence

Arrange a free no-obligation, complimentary consultation with an independent Wealth Planner.

Get in touch

How can CGWM support your clients through the three stages of business ownership?

We can work with you to support and protect your business owner client’s wealth through the key business lifecycle stages: pre-sale, selling and post-sale.

  

Many business owner clients may not be considering a sale yet; simply focused on running and growing their business. During this period, we can offer:

  • Business continuity planning
  • Advice on investing bonuses or any surplus corporate funds
  • Cashflow modelling and wealth MOTs to ensure they are on track for their future plans
  • Tax efficient financial planning ensuring all applicable business and personal tax allowances are utilised
  • Retirement planning for directors, company owners and shareholders
  • Company pensions
  • Inheritance tax (IHT) planning, to reduce their estate’s liability in the future.

We can make sure the business is financially structured as tax efficiently as possible, using trusts, pensions and shareholdings, and that their business and personal finances are working in a ‘joined up’ way to make the most of any allowances.

At this stage, our brief is to help your clients achieve their immediate goals, e.g. to raise capital for a new venture, pass on a thriving business to their family or prepare for retirement.

To ensure the business is in the right shape for sale, we will check that:

  • All tax allowances are used, including pension contributions and reducing capital gains tax with business asset disposal relief
  • Business continuity plans are adjusted to cover issues arising during the sale
  • The articles of association are up to date
  • Employment contracts, Wills and lasting powers of attorney are in place.

We’ll use cashflow modelling to calculate how much your clients will need to live the way they want after selling, including in retirement.

We will ensure that your clients use all their tax allowances, including their personal allowance, dividend allowance, savings allowance, capital gains tax exemption and tax-free cash from pensions.

Once the business is sold, all the proceeds, without any financial planning, would fall back into their estate for tax purposes. Already considered early in our relationship with business owners, we will again review and factor IHT into the equation and find ways to mitigate liability, ensuring the maximum legacy for their family or loved ones.

After the sale, we can use our portfolio management expertise to advise your clients on investments, including specialist solutions such as ESG (environmental, social and governance) investments, small caps (investing in smaller companies) or our IHT Portfolio Service. We can then continue to provide ongoing wealth planning and investment advice year-on-year, adjusting your client’s plans to ensure they stay on track.

Lay the foundations of a perfect partnership

Arrange a free, no-obligation consultation with an independent Wealth Planner who specialises in providing advice to business owners.

Get in touch

Investment involves risk. The investments discussed in this document may not be suitable for all investors. The value of investments and the income from them can go down as well as up, and investors may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

Inheritance tax rates and Business Relief rules are subject to change. In addition, you must be prepared to hold your shares in AIM-listed companies for a minimum of two years or these assets will be considered part of your estate in the IHT calculation.

The tax treatment of all investments depends on individual circumstances and may be subject to change. Investors should discuss their financial arrangements with their own tax adviser, as the value of any tax reliefs available is subject to individual circumstances. Levels and bases of taxation may change.

This is not a recommendation to invest in any of the funds, themes or sectors mentioned. They are included for illustrative purposes only. 

Where investment is made in currencies other than the investor’s base currency, the value of those investments, and any income from them, will be affected by movements in exchange rates. The effect may be unfavourable as well as favourable.

Other wealth planning solutions

Comprehensive wealth planning

A full review of your clients’ finances, leading to a personal wealth management plan.

Find out more

Retirement planning

Bespoke planning, pension advice and cash flow modelling to achieve the retirement your clients want.

Find out more

Inheritance tax services

Expert advice on how your clients can mitigate IHT and effectively transfer wealth to the next generation.

Find out more

Long-term care planning

Holistic advice on achieving the right financial plan to see your clients comfortably through the rest of their life.

Find out more

 

Want to know more?Get in touch

  

If you would like to know how our independent Wealth Planners, working collaboratively with legal and accountancy professionals, can help clients plan their financial future, please get in touch. We will be delighted to provide more details of our services.

Find out more about our independent wealth planning services.

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Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.