Advice for Business Owners, Company Directors and Shareholders.

We believe that your personal financial goals can be greatly benefitted by your business success.

Our approach

Creating syngery between business success and personal wealth

Delivered in conjunction with expert Financial Planners over at our parent company, Harding Financial, our specialised services for business owners, directors, and shareholders are designed to leverage your corporate position for personal financial growth, focusing on tax-efficient strategies and smart investment choices.

Tax-Efficient Investment Strategies

We advise on how to use your corporate entity to make investments that are not only profitable but also tax-efficient. This includes navigating the complexities of using company funds for investment purposes in a way that maximises your personal financial benefits.

Corporate Purchasing Power

We give guidance on setting up insurance policies such as term protection, critical illness, and life insurance through your company. This approach can be more tax-efficient, allowing for potential savings and benefits that are aligned with your personal needs.

Maximizing Tax Reliefs and Allowances

Expert advice on leveraging your role within your company to maximise available tax reliefs and allowances, both at the corporate and personal levels.

Optimizing Dividend and Salary Structures

Assistance in structuring your dividend and salary income for optimal tax efficiency, balancing the benefits of each to suit your personal financial situation.

Pension Strategies Leveraging Corporate Contributions

Tailoring pension plans that take full advantage of corporate contributions, optimizing both employer and employee pension contributions for your benefit.

Retirement Planning with Business Assets

Integrating your business assets into your retirement planning, ensuring a holistic approach that maximises your financial stability in retirement.

Estate Planning with Business Considerations

Structuring your estate to include your business interests, focusing on tax-efficient ways to pass on your wealth and business to the next generation.

Developing a Succession Plan

Creating a succession plan that supports your family’s future prosperity while taking into account the integral role of your business assets..

Personal and Business Risk Assessment

A comprehensive assessment of both personal and business risks, leading to tailored insurance solutions that cover critical illness, life, and health insurance, ensuring complete protection for you and your business.

Advice services are available on a one off basis, or as part of Harding Financial’s Ongoing Wealth Management Service.

Before working with my Harding Financial Planner, I didn’t quite realise how important my business was as a vehicle for securing my financial future. Now, my company is making increased pension contributions and organising my health and protection policies. This has really taken the pressure off me personally and I’m feeling happy about getting a much better deal for myself, overall.

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