{"id":862,"date":"2021-09-24T15:00:05","date_gmt":"2021-09-24T15:00:05","guid":{"rendered":"https:\/\/www.lubbockfine.co.uk\/?page_id=862"},"modified":"2026-07-29T13:04:06","modified_gmt":"2026-07-29T13:04:06","slug":"business-financial-planning","status":"publish","type":"page","link":"https:\/\/www.lubbockfine.co.uk\/wealth-management\/business-financial-planning\/","title":{"rendered":"Business financial planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"862\" class=\"elementor elementor-862\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8899e64 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8899e64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87f9e20\" data-id=\"87f9e20\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2b3b95 elementor-widget elementor-widget-content\" data-id=\"a2b3b95\" data-element_type=\"widget\" data-widget_type=\"content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n        <div class=\"c-content\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"c-content__content-container\"> \n                                                <div class=\"c-content__content cms-content\">\n                            <div ><p>Financial planning for business owners requires a different approach to personal financial planning alone. Business financial planning needs to evolve alongside your business - from the early stages of building and protecting its value, through growth and succession, to eventual retirement or sale.<\/p><h2>Supporting your business at every stage<\/h2><p>Whether you're growing your business, planning for the future or protecting against unforeseen events, our role is to help you look beyond the day-to-day running of your business and focus on the bigger picture. Our advice includes shareholder protection, tax-efficient profit extraction and strategies for investing surplus capital, helping you develop a strategy that aligns your business ambitions with your long-term personal financial goals.<\/p><p>We also advise on employee benefits and workplace protection solutions, including group pension schemes, death in service cover and private medical insurance, helping you attract, retain and support your workforce.<\/p><h2>We can support you with:<\/h2><\/div>\n                        <\/div>\n                        \n                                                    <div class=\"c-content__accordion js-accordion\">\n                                                                                                                                    <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-1\" aria-controls=\"accordion-panel-1\" aria-expanded=\"false\">\n                                                Investing excess cash in the business                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-1\" aria-labelledby=\"accordion-header-1\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Many businesses build up cash reserves beyond what's needed for working capital, particularly after a strong trading year. Left in a low-interest business account, this cash can lose real value to inflation over time. We help business owners decide whether to invest surplus funds within the company structure, taking into account corporation tax treatment, the impact on Business Asset Disposal Relief (formerly Entrepreneurs' Relief) if you're planning to sell in future, and how holding investments might affect the company's trading status. We'll also look at whether it makes more sense to extract some of that cash rather than invest it, and structure a solution around your wider business and personal goals.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-2\" aria-controls=\"accordion-panel-2\" aria-expanded=\"false\">\n                                                Making pension contributions from the business                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-2\" aria-labelledby=\"accordion-header-2\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Employer pension contributions are one of the most tax-efficient ways to reward directors and key staff, and to reduce a company's corporation tax bill, since contributions are usually treated as an allowable business expense. Unlike a salary or bonus, employer pension contributions aren't subject to National Insurance for the business or the employee, and they fall outside the recipient's income tax for that year. We advise on how much can be contributed within annual and lifetime allowance limits, how to structure contributions across multiple directors or employees, and how this fits with succession and exit planning for the business.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-3\" aria-controls=\"accordion-panel-3\" aria-expanded=\"false\">\n                                                Shareholder protection                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-3\" aria-labelledby=\"accordion-header-3\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>If a shareholder dies or is diagnosed with a critical illness, their shares typically pass to their family or estate, not automatically to the remaining shareholders. Without a plan in place, this can mean losing control of part of the business, disputes over valuation, or surviving shareholders being unable to raise the funds needed to buy back the shares. We advise on shareholder protection arrangements, combining suitable life and critical illness cover with a cross-option agreement, so that remaining shareholders have the funds and the legal mechanism to retain control, while the departing shareholder's family receives fair value for their stake.<\/p><p>You can read more about this in our <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\/keyholder-protection-insuring-business-resilience\/\">blog<\/a>.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-4\" aria-controls=\"accordion-panel-4\" aria-expanded=\"false\">\n                                                Key person insurance                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-4\" aria-labelledby=\"accordion-header-4\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Every business has people whose knowledge, client relationships, or specialist skills are difficult or impossible to quickly replace. If one of these key individuals died or was unable to work due to serious illness, the financial impact (lost revenue, the cost of recruiting and training a replacement, or reassuring lenders and clients) can be significant. Key person insurance provides the business with a lump sum to cover this financial loss and buy time to adjust. We help identify who in your business represents this kind of risk and structure cover appropriately, including consideration of how premiums and any payout are treated for corporation tax purposes.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-5\" aria-controls=\"accordion-panel-5\" aria-expanded=\"false\">\n                                                Employee benefits and workplace protection                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-5\" aria-labelledby=\"accordion-header-5\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>A well-structured employee benefits package can help attract and retain talented employees while supporting staff wellbeing and engagement. We advise on workplace pension schemes, group life assurance (death in service cover), private medical insurance and other employee benefits, helping you put in place solutions that are appropriate for your business, your workforce and your budget.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-6\" aria-controls=\"accordion-panel-6\" aria-expanded=\"false\">\n                                                Withdrawing money out of the business in a tax efficient manner                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-6\" aria-labelledby=\"accordion-header-6\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Salary, dividends, pension contributions, and directors' loans each carry different tax treatment for you personally and for the company. The right mix depends on your income needs, your other sources of income, your marginal tax rate, and your long-term plans for the business. We work alongside your accountant to plan how and when to extract profits, aiming to reduce the combined tax paid by you and the company, while keeping enough retained profit in the business to support its growth and stability.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-7\" aria-controls=\"accordion-panel-7\" aria-expanded=\"false\">\n                                                Reviewing options after you have sold your business                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-7\" aria-labelledby=\"accordion-header-7\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Selling your business is often a single, sizeable capital event after years of it being tied up in a company you controlled day-to-day and the financial planning priorities change significantly once the sale completes. We help business owners plan ahead of a sale to make efficient use of reliefs such as Business Asset Disposal Relief, and after completion, we advise on how to invest sale proceeds, structure your income in retirement or your next venture, manage inheritance tax exposure on a now-larger personal estate, and make sure the proceeds are working towards your long-term goals rather than sitting as cash.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        \n    \n                                            <\/div>\n\n                    \n                                        \n                                            <div class=\"c-content__sidebar\">\n                                                                            <div class=\"c-content__sidebar-block\">\n                              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class=\"c-content__sidebar-item-title\">Andrew Tricker<\/h3>\n                                                    <div class=\"c-content__sidebar-item-subtitle\">Director<\/div>\n                                                <\/a>\n                                                                                                <ul class=\"c-content__sidebar-item-info\">\n                                                                                                        <li class=\"c-content__sidebar-item-info-item\">\n                                                        Email: <a href=\"mailto:andrewtricker@lfwm.co.uk\" class=\"c-content__sidebar-item-info-link\">andrewtricker@lfwm.co.uk<\/a>\n                                                    <\/li>\n                                                                                                    <\/ul>\n                                                                                                <a href=\"https:\/\/www.lubbockfine.co.uk\/?p=816\" class=\"c-content__sidebar-item-btn c-btn c-btn--text c-btn--text-primary\">Visit profile\n                                                    <svg class=\"\" viewBox=\"0 0 19 8\">\n                                                        <path d=\"M18.354 4.354a.5.5 0 000-.708L15.172.464a.5.5 0 10-.708.708L17.293 4l-2.829 2.828a.5.5 0 10.708.708l3.182-3.182zM0 4.5h18v-1H0v1z\" fill=\"#000\"><\/path>\n                                                    <\/svg>\n                                                <\/a>\n                                            <\/div>\n                                                                                    <div class=\"c-content__sidebar-item\">\n                                                <a href=\"https:\/\/www.lubbockfine.co.uk\/?p=14495\" class=\"c-content__sidebar-item-link\">\n                                                                                                        <div class=\"c-content__sidebar-item-image\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wp-content\/uploads\/2025\/03\/Nicholas-Clark-2.png\" alt=\"Nicholas Clark image\" \/>\n                                                    <\/div>\n                                                                                                        <h3 class=\"c-content__sidebar-item-title\">Nicholas Clark<\/h3>\n                                                    <div class=\"c-content__sidebar-item-subtitle\">Chartered Financial Planner<\/div>\n                                                <\/a>\n                                                                                                <ul class=\"c-content__sidebar-item-info\">\n                                                                                                        <li class=\"c-content__sidebar-item-info-item\">\n                                                        Email: <a href=\"mailto:nicholasclark@lfwm.co.uk\" class=\"c-content__sidebar-item-info-link\">nicholasclark@lfwm.co.uk<\/a>\n                                                    <\/li>\n                                                                                                    <\/ul>\n                                                                                                <a href=\"https:\/\/www.lubbockfine.co.uk\/?p=14495\" class=\"c-content__sidebar-item-btn c-btn c-btn--text c-btn--text-primary\">Visit profile\n                                                    <svg class=\"\" viewBox=\"0 0 19 8\">\n                                                        <path d=\"M18.354 4.354a.5.5 0 000-.708L15.172.464a.5.5 0 10-.708.708L17.293 4l-2.829 2.828a.5.5 0 10.708.708l3.182-3.182zM0 4.5h18v-1H0v1z\" fill=\"#000\"><\/path>\n                                                    <\/svg>\n                                                <\/a>\n                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                      <div class=\"c-blog-listing__item\">\n                    <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\/corporate-investments-as-an-alternative-to-holding-cash\/\" class=\"c-blog-listing__item-link\">\n                                                                                                                                                <div class=\"c-blog-listing__item-image-container\">\n                                    <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86.png\"\n                                        srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-300x120.png 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-1024x410.png 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-768x307.png 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-1536x614.png 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-2048x819.png 2048w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/05\/Wordpress-blog-banner-86-590x236.png 590w\" \n                                        loading=\"lazy\" \n                                        alt=\"long-term strategy for surplus corporate cash.\"\n                                        class=\"c-blog-listing__item-image\" \/>\n                                <\/div>\n                                                                            <h2 class=\"c-blog-listing__item-title\">Corporate Investments as an Alternative to Holding Cash<\/h2>\n                    <\/a>\n\n                                        \n                    <div class=\"c-blog-listing__item-meta\">\n                        <time class=\"c-blog-listing__item-date\" datetime=\"2026-05-26\">26th May 2026<\/time>\n                                                                            <ul class=\"c-blog-listing__item-category-container\">\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/lubbock-fine-wealth-management\/\">Lubbock Fine Wealth Management<\/a>\n                                    <\/li>\n                                                            <\/ul>\n                                                \n                    <\/div>\n                <\/div>\n                                <div class=\"c-blog-listing__item\">\n                    <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\/venture-capital-trusts-vcts-supporting-innovative-uk-businesses-while-making-your-money-work-harder\/\" class=\"c-blog-listing__item-link\">\n                                                                                                                                                <div class=\"c-blog-listing__item-image-container\">\n                                    <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23.png\"\n                                        srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-300x120.png 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-1024x410.png 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-768x307.png 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-1536x614.png 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-2048x819.png 2048w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2026\/01\/Wordpress-blog-banner-23-590x236.png 590w\" \n                                        loading=\"lazy\" \n                                        alt=\"You don\u2019t always get what you want! Mick Jagger\u2019s statement could also apply to HMRC! Image\"\n                                        class=\"c-blog-listing__item-image\" \/>\n                                <\/div>\n                                                                            <h2 class=\"c-blog-listing__item-title\">Venture Capital Trusts (VCTs) &#8211; Supporting innovative UK businesses while making your money work harder<\/h2>\n                    <\/a>\n\n                                        \n                    <div class=\"c-blog-listing__item-meta\">\n                        <time class=\"c-blog-listing__item-date\" datetime=\"2026-01-28\">28th January 2026<\/time>\n                                                                            <ul class=\"c-blog-listing__item-category-container\">\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/lubbock-fine-wealth-management\/\">Lubbock Fine Wealth Management<\/a>\n                                    <\/li>\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/tax\/\">Tax<\/a>\n                                    <\/li>\n                                                            <\/ul>\n                                                \n                    <\/div>\n                <\/div>\n                                <div class=\"c-blog-listing__item\">\n                    <a href=\"https:\/\/www.lubbockfine.co.uk\/blog\/keyholder-protection-insuring-business-resilience\/\" class=\"c-blog-listing__item-link\">\n                                                                                                                                                <div class=\"c-blog-listing__item-image-container\">\n                                    <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer.jpg\"\n                                        srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-300x200.jpg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-1024x683.jpg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-768x512.jpg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-1536x1024.jpg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-2048x1366.jpg 2048w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/2025\/10\/three-people-looking-at-computer-590x393.jpg 590w\" \n                                        loading=\"lazy\" \n                                        alt=\"You don\u2019t always get what you want! Mick Jagger\u2019s statement could also apply to HMRC! Image\"\n                                        class=\"c-blog-listing__item-image\" \/>\n                                <\/div>\n                                                                            <h2 class=\"c-blog-listing__item-title\">Key person protection &#8211; Insuring business resilience\u202f<\/h2>\n                    <\/a>\n\n                                        \n                    <div class=\"c-blog-listing__item-meta\">\n                        <time class=\"c-blog-listing__item-date\" datetime=\"2025-10-27\">27th October 2025<\/time>\n                                                                            <ul class=\"c-blog-listing__item-category-container\">\n                                                                    <li class=\"c-blog-listing__item-category-item\">\n                                        <a class=\"c-blog-listing__item-category-link\" href=\"https:\/\/www.lubbockfine.co.uk\/blog\/category\/lubbock-fine-wealth-management\/\">Lubbock Fine Wealth Management<\/a>\n                                    <\/li>\n                                                            <\/ul>\n                                                \n                    <\/div>\n                <\/div>\n                \n                    <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e64fce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e64fce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3aa0b48\" data-id=\"3aa0b48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-796ff8d elementor-widget elementor-widget-cta-with-image\" data-id=\"796ff8d\" data-element_type=\"widget\" data-widget_type=\"cta-with-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"c-cta-with-image   \">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"c-cta-with-image__content\">\n\t\t\t\t\t\t<div class=\"c-cta-with-image__content-inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-cta-with-image__title-container\">\n\t\t\t\t\t\t\t\t<h2 class=\"c-cta-with-image__title\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Get in touch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<p class=\"c-cta-with-image__description\">Speak to a member of our expert team.<\/p>\n\t\t\t\t\t\t\t<div class=\"c-cta-with-image__link-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/contact-lfwm\/\" class=\"c-cta-with-image__link c-btn\">Contact us<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"c-cta-with-image__image-container\">\n\t\t\t\t\t\t<div class=\"c-cta-with-image__image-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1.jpg\" \n\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-300x197.jpg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-1024x673.jpg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-768x504.jpg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1-590x388.jpg 590w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/pexels-chait-goli-1796712-1.jpg 1218w\"\n\t\t\t\t\t\t\t\talt=\"You don\u2019t always get what you want! Mick Jagger\u2019s statement could also apply to HMRC! Image\" \n\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\t\t\t\tclass=\"c-cta-with-image__image\">\n\t\t\t\t\t\t\t<div class=\"c-cta-with-image__image-triangle\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c77945 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c77945\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64878a9\" data-id=\"64878a9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-697b8cc elementor-widget elementor-widget-content\" data-id=\"697b8cc\" data-element_type=\"widget\" data-widget_type=\"content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n        <div class=\"c-content\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"c-content__content-container\"> \n                                                <div class=\"c-content__content cms-content\">\n                            <div ><h2>FAQs<\/h2><\/div>\n                        <\/div>\n                        \n                                                    <div class=\"c-content__accordion js-accordion\">\n                                                                                                                                    <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-1\" aria-controls=\"accordion-panel-1\" aria-expanded=\"false\">\n                                                What is shareholder protection insurance?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-1\" aria-labelledby=\"accordion-header-1\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>It's a form of business protection that provides funds for surviving shareholders to buy back the shares of a shareholder who dies or is diagnosed with a critical illness, usually paired with a cross-option agreement.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-2\" aria-controls=\"accordion-panel-2\" aria-expanded=\"false\">\n                                                Are employer pension contributions tax deductible for a limited company?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-2\" aria-labelledby=\"accordion-header-2\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Generally yes. Employer pension contributions are usually treated as an allowable business expense for corporation tax purposes, subject to HMRC's wholly and exclusively rules, and they avoid the National Insurance and income tax that apply to salary or dividends.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-3\" aria-controls=\"accordion-panel-3\" aria-expanded=\"false\">\n                                                What is key person insurance and do I need it?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-3\" aria-labelledby=\"accordion-header-3\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Key person insurance pays a lump sum to your business if someone whose skills, relationships, or expertise are critical to it dies or is seriously ill, helping cover lost revenue or replacement costs. It's worth considering if losing a specific individual would materially harm the business financially.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-4\" aria-controls=\"accordion-panel-4\" aria-expanded=\"false\">\n                                                What's the most tax-efficient way to take money out of my company?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-4\" aria-labelledby=\"accordion-header-4\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>There's no single answer. It depends on your income, tax position, and goals, and usually involves a combination of salary, dividends, and pension contributions. A financial adviser working alongside your accountant can model the options for your specific situation.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                                                                        <div class=\"c-content__accordion-item\">\n                                        <h2>\n                                            <button class=\"c-content__accordion-heading js-accordion-heading\" id=\"accordion-header-5\" aria-controls=\"accordion-panel-5\" aria-expanded=\"false\">\n                                                What should I do with the proceeds after selling my business?                                            <\/button>\n                                        <\/h2>\n                                        <div class=\"c-content__accordion-panel js-accordion-panel is-hidden\" id=\"accordion-panel-5\" aria-labelledby=\"accordion-header-5\" aria-hidden=\"true\">\n                                            <div class=\"cms-content\">\n                                                <p>Priorities typically include reviewing your tax position (including reliefs available before and after sale), deciding how to invest the proceeds, planning income for retirement or your next venture, and reviewing inheritance tax exposure now your personal estate is larger.<\/p>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        \n    \n                                            <\/div>\n\n                    \n                                        \n                                    <\/div>\n            <\/div>\n        <\/div>\n    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c31c9 elementor-widget elementor-widget-cta-listing\" data-id=\"b4c31c9\" data-element_type=\"widget\" data-widget_type=\"cta-listing.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n        <div class=\"c-cta-listing \">\n            <div class=\"container\">\n                <div class=\"c-cta-listing__container\">\n                    <div class=\"row\">\n                        <h2 class=\"c-cta-listing__title\">Discover more<\/h2>\n                                                                            <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/tax-planning-strategies\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-scaled.jpeg\" \n                                                alt=\"Tax planning strategies Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-300x200.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-1024x683.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-768x512.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-1536x1024.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/shannon-tremaine-NRz7SfpnqUM-unsplash-2048x1365.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Tax planning strategies<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/retirement-planning\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1.jpeg\" \n                                                alt=\"Retirement planning Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-300x225.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-1024x769.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-768x577.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-1536x1153.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/1-scaled-1-2048x1538.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Retirement planning<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/investment-management\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-scaled.jpeg\" \n                                                alt=\"Investment management Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-300x209.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-1024x712.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-768x534.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-1536x1068.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/AdobeStock_258338727-2048x1424.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Investment management<\/h3>\n                                <\/a>\n                            <\/div>\n                                                    <div class=\"c-cta-listing__item\">\n                                <a href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/protections-solutions\/\" class=\"c-cta-listing__item-link\">\n                                    <div class=\"c-cta-listing__item-image-container\">\n                                                                                                                                <img decoding=\"async\" src=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-scaled.jpeg\" \n                                                alt=\"Protection solutions Image\" \n                                                srcset=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-300x200.jpeg 300w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-1024x683.jpeg 1024w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-768x512.jpeg 768w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-1536x1024.jpeg 1536w, https:\/\/www.lubbockfine.co.uk\/wealth-management\/wp-content\/uploads\/sites\/2\/2022\/02\/natalya-zaritskaya-SIOdjcYotms-unsplash-2048x1365.jpeg 2048w\"\n                                                loading=\"lazy\"\n                                                class=\"c-cta-listing__item-image\">\n                                                                            <\/div>\n                                    <h3 class=\"c-cta-listing__item-title c-btn c-btn--text c-btn--text-underline\">Protection solutions<\/h3>\n                                <\/a>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial planning for business owners requires a different approach to personal financial planning alone. Business financial planning needs to evolve alongside your business &#8211; from the early stages of building and protecting its value, through growth and succession, to eventual retirement or sale. Supporting your business at every stage Whether you&#8217;re growing your business, planning [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8598,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-862","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financial Planning for Business Owners | Trusted Expert Advice<\/title>\n<meta name=\"description\" content=\"Discover financial planning for business owners, including cash flow, tax efficiency, retirement planning and long-term business growth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lubbockfine.co.uk\/wealth-management\/business-financial-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business financial planning\" \/>\n<meta property=\"og:description\" content=\"Financial planning for business owners requires a different approach to personal financial planning alone. 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