Corporate financial planning is one of the most important elements of starting up, running and maintaining a profitable business. We provide a range of services to help companies, partnerships and sole traders develop and succeed, by making them more financially secure.

The service we offer can be tailored to all or any categories of staff within your business such as Directors or Partners only or to include Management or all staff.

The first step in Corporate Financial Planning is for us to consult with you and to find out what your business plans are. From this we can then begin to make specific recommendations as to how you can tighten your business practice in line with your current business strategy.

Often, a financial product can be bought to help solve a particular business issue and you will find details of some of the products we use within this section of the website but each business we advise is different and will have its own set of requirements.

Here are some examples of issues we can help you with:

  • Recruitment and Retention of your quality staff Design of tax efficient remuneration packages
  • Purchasing of Commercial Premises
  • Mitigation of Capital Gains Tax, Income Tax and National Insurance
  • Partnership Agreements
  • Foreign Exchange
  • Business Planning

To arrange a free initial consultation with us please call the office on 0800 6342 111 or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

The non-affected shareholding directors’ need is to maintain control of the company following the death or critical illness of one of the other shareholders. On the other hand, the critically ill shareholder or the family of a deceased shareholder will usually be looking for adequate financial compensation if they are no longer going to have an interest in the business.

The solution, at a high level, is:

  • For the shareholders to come to an agreement at an early stage as to how the shares will be dealt with on death (and/or critical illness), so that there is a ready and willing buyer of the shares – and then go on to document that agreement.
  • Forward planning, so that the necessary funds are available when a shareholder dies in the right hands and in a tax efficient manner.

This arrangement can be done either individually or by corporate action. The individual route sees the directors generate the financial means to buy the shares (as individuals) by making payments to a life assurance and/or critical illness plan, using plan proceeds when their colleague dies or suffers a critical illness.

The main reason for considering the corporate route, of funding the necessary plans and then making the desired purchase, will usually be to minimise cost. Given that payments paid will not be deductible, whoever pays them, and that the source of the funds for payment will be the company, it will usually be cheaper for the cost to be met by the company out of ‘after-Corporation Tax’ money rather than out of after-income/national insurance (NIC) money.

The latter would be the case under the individual route unless the payments were made from amounts owed to the shareholders by the company–loan accounts.

To discuss this in more detail please call the office on 0800 6342 111 or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

Key person protection, through a life assurance, critical illness, income protection plan, or a combination of all three, can provide cash injection (either as a lump sum or as a flow of income) to your business if a key member of staff dies or suffers a serious illness. This allows the business to continue trading at a time of considerable uncertainty and financial pressure.

Occasionally, we see this as a requirement put on companies prior to the securing of a piece of new business or start of a new project.

Among other things, the following main needs can be covered:

  • Loss of profits suffered until a replacement is found, is in place, and is fully 
  • Pay for the often substantial costs of recruitment and training of a 
  • If absence is due to critical illness, if a return to work is on the cards, pay income to the ‘absent’ person and also fund the cost of a temporary replacement.

To discuss this in more detail please call the office on 0800 6342 111 or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

Should a partner die, the widow (widower, civil partner or other financial dependants) of the partner, could potentially be in a difficult financial position. The only, or at least a significant, source of income may have vanished (though there may be an entitlement to some form of pension). It is very unlikely, and most likely legally impossible, that the partner’s family will be in a position to step into the partner’s shoes.

The overwhelming likelihood is that they will be entitled to the value of the deceased’s interest in the partnership via the partner’s Will. Equally likely, is that they will probably have no interest in the business or will not be technically able to take part in it. The most obvious course of action for the personal representatives of the deceased partner will be to dispose of the deceased’s partnership interest to the surviving partners.

Without an agreement specifying what is to happen, the partnership will be dissolved on the death of a partner. Strictly speaking, the personal representatives will only have a right to a share of the dissolution value of the partnership.

In practice though, in many cases, the surviving partners are likely to want to continue to trade and so a deal to buy the deceased’s interest/compensate the personal representatives for their rights to a share in the partnership assets will need to be agreed. Of course, the personal. Where the partners have agreed, on the death of one of them, to dissolve the partnership and realise the value of its assets, thereby being able to pay to the deceased’s estate their share of the value of the business, and all partners are happy with the financial, commercial and lifestyle consequences of this, there would be no need for additional cash through insurance.

Where the partnership is to continue, the surviving partners will need to be able to buy the deceased partner’s share from the deceased’s estate. Naturally, to achieve this they need money. The major requirement of a deceased partner’s family following the partner’s death will, in all likelihood, be cash.

The simple solution is to plan ahead. In this way it might be possible to avoid completely, the need to borrow money and all the problems this involves including the possible difficulty in accessing funds, the potentially high costs of interest and repayment.

A life assurance (and/or critical illness) plan on the life of each of the partners is a means by which funds can be provided at the time they are most needed – on the death of the partner, or when the partner suffers a critical illness.

The solution to the problems faced by many partners lies in the proper use of life assurance plans (held in trust), in conjunction with a properly drafted partnership agreement.

To discuss this in more detail please call the office on 0800 6342 111 or send an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

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There are many different styles of pensions schemes available in the UK and they all have their part to play in Corporate Financial Planning as each is governed by slightly different rules on staff eligibility, funding limits, investment options....



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