Running your own business can be rewarding but it’s also a constant juggling act. Between managing teams, growing profits, and planning for the future, it's easy to put your personal and business finances on the back burner.
Good financial planning isn’t just about numbers. It’s about giving yourself, and those who rely on you, security, confidence, and peace of mind. That’s where an Independent Financial Adviser (IFA) comes in.
Whether you’re thinking about retirement, want to invest or just want to feel more in control of your money, an IFA can help make it happen.
1. Workplace Pensions: Support your team and secure their future
Your employees are the heart of your business. Offering a solid pension scheme shows you value their future and can make your business more attractive to top talent.
An IFA can help by:
- Exploring better-value options with stronger growth potential
- Providing ongoing support as rules or markets change
The result? A workplace pension that works harder for both your team and your directors without adding stress to your day.
2. Employee Benefits: attract and keep the best people
Keeping good people isn’t just about pay. A strong benefits package shows that you care and that goes a long way.
An IFA can help put together meaningful cover, including:
- Death in Service – Life cover that helps protect your employees’ families
- Income Protection – A financial safety net if they can’t work due to illness or injury
- Private Medical Insurance – Faster treatment and better care, often extended to family too
- Critical Illness Cover – A lump sum to support employees through serious illness
These benefits give your team peace of mind—and help position your business as a great place to work.
3. Business Protection: Safeguard What You’ve Built
No one likes to think about the worst-case scenarios but being prepared can make all the difference. Business protection helps keep things running, even when life throws a curveball.
Here are a few key areas worth considering:
- Shareholder Protection – Ensures the business stays in the right hands if a co-owner passes away
- Executive Income Protection – Covers up to 80% of your salary if you’re unable to work, so you can still be paid while recovering
- Relevant Life Cover – Life insurance for directors that’s tax-efficient and not treated as a benefit in kind
These policies help protect your business, your income, and your family’s future.
4. Personal Protection: Look After Yourself Too
Many business owners focus on protecting their business but your personal finances matter just as much. A tailored mix of cover can help secure your own future.
This might include:
- Critical Illness Cover – Offers a financial cushion during difficult times
- Private Medical Insurance – Personalised health cover for quicker access to care
- Income Protection – Replaces your income if illness or injury stops you from working
So, Why Speak to a Financial Adviser?
Because you deserve clarity, confidence, and control over your money.
An Independent Financial Adviser takes the time to understand your goals - whether it’s retiring early, travelling the world, or simply making your money work harder. Their advice is personalised, practical, and designed to support both your business and personal life.
And the best part? You don’t need to spend hours figuring it all out on your own.
Speak to one of our advisers today and start building the secure, fulfilling future you’ve worked so hard for.
The value of pensions and investments can fall as well as rise, and you could get back less than you invested.
