Your Corporate Financial Focus™ is our comprehensive offering for owners of small to medium-sized businesses.

It addresses the seven key problems that in our experience are most commonly encountered by these individuals.

Here, we explain each stage, which can form part of a comprehensive process or be undertaken in isolation, in more detail.

Your Corporate Overview™ is a concise document that is presented to clients that includes:

  • A summary of their company details
  • Details of turnover, overheads and profits
  • Clarity of assets and liabilities
  • An overview of existing company provisions and financial arrangements that are in place

Your Corporate Financial Arrangements Overview™ is a concise document that is presented to clients that includes full details and analysis of:

  • Company investments
  • Retirement provisions / arrangements for shareholders, directors and employees, such as pensions / auto enrolment
  • Protection arrangements, such as shareholder protection, key person cover, death-in-service benefits, group income protection and group critical illness cover
  • Properties and any borrowings
  • Any other assets

Your Cash Management Focus™ is a step by step process that helps businesses to maximise the monies they hold in cash, providing them with clarity, understanding and confidence that they have deposited funds according to their needs. It enables them to:

  • Maximise the returns for monies held on deposit in banks and building societies
  • Structure their deposit-based funds in a way that provides the accessibility they need when they need it
  • Provide maximum protection against the failure of any institutions they have monies invested with

Your Corporate Protection Focus™ is a step by step process to help businesses:

  • Ensure that shareholder interests, the business and employees are protected in the event of death, the onset of critical illnesses or long-term sickness
  • Identify and agree the level of financial resource needed for shareholders, key personnel and employees in the event of death, critical illness or long-term sickness
  • Understand what their current arrangements will provide, identifying any likely shortfalls
  • Ensure that all arrangements are structured as efficiently as possible and to ensure speed of payment and tax effectiveness
  • Feel safe in the knowledge that their circumstances are reviewed regularly

Your Corporate Retirement Focus™ is a step by step process that helps businesses to:

  • Identify the desired ‘financial freedom’ ages that they wish to set for shareholders, directors and employees
  • Identify and agree the level of financial resource from their business that may be required for shareholders at their ‘financial freedom’ age or the level of resource the company may wish to make for directors and employees (if different to shareholders)
  • Understand the company sponsored arrangements that are currently in place
  • Identify any shortfalls
  • Ensure that all arrangements are structured as cost-effectively and tax efficiently as possible
  • Ensure all arrangements implemented are in line with either the company or the individual’s risk profile
  • Have the assurance that their retirement provisions are being managed professionally and reviewed regularly against appropriate benchmarks, to include a review of any existing arrangements

Your Corporate Investment Focus™ is a step by step process that helps a business to:

  • Identify and agree a sufficient contingency or ‘emergency fund’ that their company may need
  • Identify future events that may require capital resource (outside of any existing plans)
  • Understand what their existing investment arrangements will provide
  • Identify any shortfalls
  • Ensure that all arrangements are structured efficiently to ensure speed of payment and tax effectiveness
  • Have the assurance that their investment assets are being managed professionally, reviewed against appropriate benchmarks and are reviewed regularly, to include a review of any existing arrangements

Your Corporate Lending Focus™ is a step by step process that helps businesses to:

  • Ensure they have the most competitive and appropriate lending facilities in place for their business
  • Have complete clarity and comfort that borrowings will be repaid at the redemption date(s) and that there is a suitable repayment vehicle in place
  • Ensure the lending term(s) suit(s) the overall financial position of their business
  • Be aligned to the type of interest rate(s) that suit(s) their business requirements and consider how interest rates may change in the future i.e. variable, fixed, capped, discounted or tracker
  • Have confidence that any new borrowings are implemented promptly and efficiently
  • Have confidence that any borrowings will be reviewed at agreed regular intervals to ensure on-going cost effectiveness