Business financial planning

People start a business to be in charge of their own success but this comes with risk and you need to adapt your financial plans to moderate risk. Unividual specialises in connecting business and personal finances and our collaborative approach is why we become part of a business owner's growth team.

Withdrawing business capital tax efficiently

If you own your business you have to pay tax on any profit the business makes and on any income you take out so it is essential to take advice on the most tax efficient ways to withdraw capital.  Tax rules are complicated and trying to do everything yourself can be a false economy. Unividual’s financial planners are well versed in working alongside accountants and solicitors so that business owners can generate the greatest return from their hard work.

How to maximise your post-tax earnings

Business exit strategies

At some point business owners need to start profiting from their business. As you plan for retirement or look to start a new challenge, an exit strategy could enable you to sell ownership of your company as a way to reduce or liquidate your stake and potentially make a profit. If you want to retire at some point, you will need to think about what will happen to the business when you leave and how you will profit from all your hard work. You can never start planning too early because exiting a business is complex and emotional.

What does an exit strategy look like?

Never too young to plan for retirement

Retirement is a big change. Even more so for business owners as you are not just leaving a job or career but something you have worked hard to create. This can be emotionally challenging but it shouldn’t have to be tough financially. Changes to pension and tax legislation may give you more control over pension arrangements than you realise.

Take control of your retirement

Continuity and legacy planning

Continuity is a key element for a business to survive but you may not have had time to consider what will happen to your company if you are no longer there to run it. Legacy planning ensures that clients and employees are taken care of when you are ready to take a step back and you need an experienced professional who knows the important questions to ask.

How does legacy planning work?

Employee health and wellbeing

Four out of five employees say they feel more positive about their employer if they offer health and wellbeing benefits. In order to attract and retain staff, you will need to offer more than just a competitive salary. At Unividual we have the resources and experience to help you devise unique packages. We start with what benefits you have in place, then help you to assess whether they are valued by staff and whether they achieve your corporate objectives. Your adviser can then help improve your existing offering or devise a new bespoke plan that appeals to staff and contributes to your business objectives.


The FCA do not regulate tax planning, legacy planning and employee benefits.

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