Financial Advice for Business Owners

We can help you make the most of your pension savings for the retirement you deserve. Any choices you make with your pension planning will affect your future income, so its important to get financial advice before moving your pensions.

Life holds no guarantees, but you can put Protection in place so that if the worst should happen, your loved ones will be protected financially.

Investing can give your money the potential to work harder. As independent financial advisers our advice can help you make the most of your money, selecting the most appropriate long-term investments, designed to deliver against your financial plans.

After a lifetime of working to grow your wealth, who would you like to benefit from your legacy – your friends and family, or the taxman? It’s important to plan ahead, and review your plans each year, ensuring that your estate will pass smoothly to your beneficiaries.

Whether you’re a first-time buyer, remortgager or buy-to-let landlord, finding the mortgage that’s right for you is essential. Often, a mortgage is the single largest outgoing, so ensuring the mortgage dovetails with other financial planning strategies is paramount.

Utilising your tax allowances is central to excellent financial planning. Whatever stage of life you are in, you can benefit from a financial planner assessing your current finances and planning your most tax-efficient way forward.

As an employer, you need to offer a workplace pension scheme to your eligible employees. Just because it’s mandatory to offer auto enrolment, doesn’t mean it’s easy to set up and manage a workplace pension scheme.

Find out how we work to review and embed workplace pensions, group risk policies (Income Protection, Death In Service and Critical Illness Cover) and Salary Sacrifice.

Group Risk is the cornerstone of an Employee Benefits Strategy. It keeps your people and their families protected if they’re affected by illness or death, so it pays to work with consultants who truly understand the market.

Business protection can reduce the impact of financial loss due to unexpected events – such as the death or illness of a key employee. This includes Key Person Insurance, Shareholder Protection, Relevant Life Policies and Loan Protection.

Wren Sterling can support your dividends strategy, as well as providing personalised investment advice on how you take your income and how it is taxed.

If you suspect your people are struggling, you can effect positive change through a financial education programme. The power of understanding their finances and feeling confident in their future cannot be understated.

Salary Sacrifice means everyone exchanges a portion of their salary for access to other benefits. When employees value benefits their workplace provides, employee retention and workplace wellbeing can improve.

By conducting a Workforce Demographic Analysis with Wren Sterling you can get under the skin of your workforce and understand what they need from their Employee Benefits. Then, we’re on hand to help build your strategy and execute it.