Business Owner Financial Plan

  • Home
  • Business Owner Financial Plan

Business Owner Financial Plan

As a business owner, shareholder, or director you face unique challenges in comparison to non-business owners. Due to not only your family’s responsibility but also that of your employees and shareholders.

Employing adequate risk protection, retirement planning, estate planning, and investments, such as Executive Income Protection, and a diverse investment portfolio, and maximising your tax efficiency, creates stability and peace of mind when it comes to any liabilities you have.

Business owners often have a more variable income in comparison to employees, depending on the stage the business is at. This makes navigating a plan more difficult, as you need to be capable of depicting how a potential change in income will impact your personal and business objectives into retirement. But, as our platform is entirely online, all you have to do is log in to your portal via desktop or the app and update your information, and your financial plan will change, visually showing where you’re heading.


bank vs investment

A comparison of cash in a bank account over time vs. an investment policy.

With a Business Owner Financial Plan, our entire team of advisors is at your service. To assist you in ensuring you have what you need to retire comfortably and leave behind a legacy.

Planning for a successful future is not a one-size-fits-all type of plan. Your own business’s needs are unique. We will get to know your financial goals for your family and your business. Creating an online visual Financial Plan that comprises everything from your goals, expenses, savings, investments, pensions, and more.


better plan your finances

Maximize your time and embark on shaping your future today. Request a quote now.

Get Started Today

We’ll help you to visualise the bigger picture and act upon it. Creating a better outcome for your family & business alongside providing a second opinion on important financial decisions.

Whatever stage of business growth you are in, our entire team will work with you to adequately plan for your end goals.

Risk Management

Most people need to plan for the risk of unexpected death, illness, injury, or loss of income or property. Once you become a business partner or owner, however, the risks involved are multiplied. Such as – loss of income due to disaster, disability or death of a key business member who is affluent to the success of the business, or loss of property.

Having adequate insurance cover in place for such instances is crucial to providing adequate cover for the owner and his family. Along with protection planning for employees.

financial plan software

Our state-of-the art Financial Planning software allows you to visualize your current and future finances. Available for Desktop, iOS and Android. 

Provide direction and protection to your wealth. Start your True Wealth Personal Financial Plan today by enquiring now.

Retirement Planning

As a business owner, the thought of retiring or relinquishing your position as leader may never cross your mind. Maximizing your contributions where possible is key to building a wealth portfolio worth retiring for. Not forgetting the important tax advantages.

As a business owner, you can contribute considerably larger amounts to your pension(s) in comparison to a non-business owner, which allows you to continue the lifestyle you have become accustomed to.

Investment Planning

If you are a small business owner, it can be increasingly difficult not to solely invest in your own business. In many cases, you can make savings in other areas of your finances, to free up cash and diversify your investment portfolio. Having the self-control to not invest this back into your business is a key part of risk management and prudent investment management.

When business is in transition, money is in motion.

As a medium to large business owner, you likely have stopped investing in your business as it has become more stable. If you currently have investments it’s crucial to review these as your business grows, as your risk profile changes the older you get & your financial goals change. Other key parts to assess in a review are your current management fees, allocation rates & portfolio diversification as economic environments change; such as energy, ethical responsibilities & sustainability.

If you are a medium to large business owner & haven’t yet started to diversify your investments outside of your business, we recommend getting in touch immediately as it’s crucial to align a bespoke investment strategy to your personal and business goals.

Estate Planning

As your business grows in value, a basic will or trust may no longer suffice for a business transfer. Such things as choosing a successor to ensure business continuity, reducing business and personal estate taxes, and Section 72 insurance. Efficient use of insurance trusts / charitable trusts also plays a key role in planning your estate.

The last thing you’d want is your personal and business assets ending up in probate court. Having a comprehensive plan for your estate is essential for ensuring the transition of your assets are smooth for your family and work colleagues.

Nobody can predict the future, but we can plan for it.


Lifestyle Guidance

Lifestyle guidance is an increasingly important element of every financial plan, especially our service. There are many financial, physical and emotional pressures on business owners, directors and shareholders. It’s very important to have a knowledgeable and experienced third-party advocate to assist in drawing up a plan for your life.

It helps to have someone you can talk to when making decisions around property, employment, children, wills or succession.

Think of us as part of your team. An extended department of your business. Helping you to plan and achieve your goals, so that you can focus on leading your business.


The Cashflow Modelling

An important part of a Business Owner’s Financial Plan is our Online Cashflow Model, which helps us to look at your current cashflow & create potential scenarios. This will allow you to visualise how your financial future situation may look under different circumstances. Paired with stress-testing our proposed solutions up to 10,000 times using deterministic modelling.

The reasoning behind this is:  Markets don’t behave linearly, and neither should a future cashflow model. The stress test, called ‘Monte Carlo’ will take into account your current attitude towards risk, and market trends and provide a pessimistic, optimistic and average outcome line which you can see below.

financial planning cashflow stress test
A view of our Monte-Carlo stress test

Based on your goals and using certain assumptions, The Cashflow Modelling view will show you in real-time how much money you have now, will have in the future, and how your family or business future could potentially be affected by unplanned events such as loss of personal or business income, illness or even death. This timeline (up to age 100) will help you to see for example: When to increase any investment strategies to cover potential shortfalls, or what the impact of withdrawing money in the future would have on your income.

The idea is that it gives you a detailed vision of your financial future and a better context for making further financial decisions. As an example, it would show you how your wealth would be affected if you were to buy a property in 5 or 10 years, start another business or invest a large sum of money.

Your online portal can be refreshed and updated as your life progresses so it always gives you a true picture of your financial future.


cashflow stress test planning
Cashflow models can be stress tested and be used to simulate market events

Our Financial Planning Software is available for iOS, Android & Desktop for your convenience.


Financial Wellness your business & your employees

Financial wellness is the state of being in control of your financial situation and feeling confident about your financial future. It’s about having a clear understanding of your financial goals and the steps you need to take to achieve them. Financial wellness is important for everyone, regardless of their income or financial situation.

By offering financial advice and creating a comprehensive financial wellness strategy, you can support your employees’ financial well-being while also benefiting your business through improved employee satisfaction, productivity, and retention. Investing in your employees’ financial health is not only the right thing to do—it’s also a smart business decision.

Advantages of having a workforce with strong financial wellness:

  • Helps to reduce absenteeism and presenteeism
  • Increases engagement, motivation and productivity
  • Empowers employees to take control of their own personal and family financial situations
  • Reduces finance-related mental health problems
  • Helps to increase employees’ ability to retire

If you’re eager to explore the advantages of integrating Financial Wellness into your business for both you and your workforce, delve into our comprehensive Guide. Discover the range of benefits we offer and how we can assist you in fortifying your business for lasting success.

Creating a Financial Wellness Strategy for your employees.

Navigating the path to financial wellness for you and your workforce is a crucial endeavour. Whether you’re embarking on the journey or already well along the road, this guide is designed to help you with the knowledge and tools needed to make informed decisions and cultivate a financial plan that resonates with your individual and business goals and aspirations.

After you download your guide, one of our expert mortgage advisors will be in touch shortly to provide you with guidance and further relevant information including our offers and packages.


Business Owners

Employees (PAYE)

If you still have any questions, please make an enquiry, or freephone us, and we will be happy to assist you.

Freephone (1800) 808-808

Contact us to maximise your retirement potential

Let us guide you towards a brighter financial future

Unlock your full retirement potential and reach your financial milestones with a tax-efficient pension review guided by our experienced and qualified Financial Advisors. Schedule your consultation today with our award-winning team and set the course for a well-planned financial future enriched by expert Financial Advice.

Make informed decisions. Explore our related additional material and stay up-to-date.

True Financial Freedom made easy.

Subscribe to our YouTube Channel.

Subscribe to our YouTube Channel and explore our insights and tips, empowering you to make informed decisions that will not only protect your future and loved ones, while also ensuring you achieve all your financial goals.

Follow us on Social Media

Follow us on social media for real-time updates on our latest campaigns, giveaways, and much more. Stay in the loop with exclusive content and exciting insights for your financial independence.

Career opportunities at True Wealth.

At True Wealth, we believe everyone deserves access to expert financial advice, regardless of their current wealth or financial situation. If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. Let’s grow together!