How Everlake Can Help
We bring years of experience in advising business owners and company directors, offering clear, strategic guidance to optimise your financial position. We work alongside your existing professional advisers to ensure a seamless and tax-efficient approach to your business and personal finances.
We understand the pressures of running a business because we have been in your position. Our approach is pragmatic, tailored, and focused on long-term value creation.
Some of the ways that we can assist:
• Identify personal financial inefficiencies and hidden risks in your current structure.
• Challenge outdated advice that may no longer be in your best interest.
• Help you to understand and implement tax and legal strategies effectively, ensuring they are executed correctly.
• Align your business and personal financial goals, helping you extract value while minimising tax liabilities.
• Ensure clarity and control, so that you have a clear understanding of your financial position, and the actions required to optimise it.
How we work with you & other professional advisers
Financial planning for business owners and directors is not a one-time activity, it is an ongoing process that requires careful thought, collaboration, and execution over the medium to long term.
Business owners can find themselves receiving fragmented advice from separate multiple professionals (accounting, legal, tax, etc), leaving them without a clear, co-ordinated strategy. That’s where Everlake comes in.
We work with your other professional advisers, your management team and/or your family where appropriate, to ensure robust planning and ongoing implementation.
Our role is to take a step back and provide a long-term, strategic perspective on your financial planning.
We can work with your existing advisers or introduce you to specialists within our network who have experience in working with business owners and directors like you. Our approach is holistic, ensuring that every financial decision contributes to a broader, long-term strategy.
Investment Planning
Many business owners find themselves with surplus funds but are unsure how to use them.
Whether investing within the business, acquiring property, or extracting personal wealth, we help you to decide how to use your funds and structure investments to align with long-term business and personal financial goals.
We also review existing investments to ensure that they fit well within the current business strategy and overall financial plan for the company.
Company Health Check
Businesses evolve, and their financial structures should evolve with them. Many business owners and directors operate with financial arrangements or structures that may have been suitable years ago but are no longer optimal for their current stage of growth or operating. We can assist you with a Company Owner focused health check.
This involves reviewing key aspects of the business’s financial structure, including:
• Debt - understanding the ideal mix of debt and equity to support business growth while minimising financial risks.
• Shareholder agreements - ensuring shareholder agreements reflect current business realities and protect owners from potential disputes.
• Key Person Insurance - many businesses rely on a few key individuals. Key person insurance can provide financial protection if a crucial member of the team dies or is no longer able to work due to an illness or serious injury.
Retirement Planning
A business is usually an owner’s largest asset and primary source of income. Without proper retirement planning, they risk relying too heavily on the business to fund their retirement.
We help business owners structure their finances to ensure a secure and tax-efficient retirement.
Making the most of allowable pension contributions is the most tax efficient way to take money out of a company and build retirement savings. This is particularly true for directors who run the company but don’t have a shareholding.
Planning in advance is important so that the business can be structured in the correct manner for when the time comes for you to retire.
We assist with the planning of a business sale to help ensure that when a business is sold, tax reliefs such as Retirement Relief and Entrepreneurial Relief are used by the owners to retain more wealth.
Whether through a sale, succession, or winding down, having a clear exit strategy in place ensures a smooth transition to retirement.
