Business

Owning and running your own business whether a sole trader, limited company or partnership is a constant juggling act

– it has many advantages, but you lose a lot of the benefits you get working for someone else…pension contributions, death in service, private health care etc.

Getting your financial affairs in order and making sure you have all the appropriate protection in place is just as important as bringing in new customers…a lot of it is down to ‘What If??’…but when you have worked hard to build up a successful business, isn’t it better to be safe rather than sorry?

We can help you plan for tomorrow, the next day and for the long-term, making sure you have things covered…literally.  So, if things don’t go to plan and the worst should happen, you are suddenly unable to work due to illness or a key person integral to your business falls ills or dies, you have protection in place so your business, along with you and your family can survive.

Pensions

Did you know these can be classed as a business expense and are a tax efficient way of taking money out of the business for the future? Even a short gap in making payments into your pension can have a big impact in your end result – we can talk you through these and your options.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

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Income Protection

Do you drag yourself into work even if you feel rotten? A day off means no pay, and no sick pay – but what if you were off longer term?  Income Protection can be paid for through your business account to provide you with sick pay you wouldn’t be entitled to otherwise.  Could you and your business survive on no pay?

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Shareholder Protection

Does your business have more than one owner? What would you want to happen in the event of death or critical illness…would you want you or your business partner’s beneficiaries coming into the business?  The use of Share Option Agreements means on the death of a shareholder, a lump sum goes into the business to buy out their beneficiaries.

Advice relating to a Share Option Agreement will necessitate the referral to a service that is separate and distinct to those offered by St. James’s Place.

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Group Pension for Auto-Enrolment

You will be aware the law has changed – a Group Pension is one of the best benefits you as an employer can give to your employees.  So, are you sure you have the best quality pension scheme set up?

The value of a pension with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

Auto-Enrolement products are not regulated by the Financial Conduct Authority.

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Business Loan Protection

Is your business loan covered in the event of death or critical illness?

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Key Person Protection

How much would your business need to recover if a key person in the business was to die or suffer a critical illness or be off on long term sickness due to an accident or illness?  Could your business survive without them?

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Relevant Life Plans

Have you thought about if the worst should happen?  Relevant Life Plans are to business owners what Death in Service is to employees.

Find out more
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TAKE OUR QUESTIONNAIRE

& UNDERSTAND WHERE YOU ARE ON YOUR JOURNEY TO FINANCIAL WELLBEING

WHAT’S IN IT FOR YOU?

Financial Wellbeing is within reach – with the right knowledge you can build a plan, tailored to your individual circumstances. Understanding what plans you already have in place plus identifying any gaps that need attention, can help set a course for making progress towards reaching your financial goals, aspirations and dreams amidst uncertain times.

WHAT’S IN IT FOR US?

We are passionate about what we do; helping people achieve their financial goals, aspirations and dreams, giving them peace of mind and allowing them to live and love life. So, we are asking as many people as possible to fill in our carefully created 5-minute questionnaire as honestly as possible. We want to anonymously use the data and insights we collect to form a bigger picture of what areas are the biggest concern for different age groups and demographics.

To take our financial wellbeing questionnaire, simply click on the button below.

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Contact Us

18-22 Melville Street
Edinburgh
EH3 7NS

Telephone

0131 385 7477

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We would love to hear from you to see how we could help.

Please fill out the contact form below and a member of our team will be in touch soon.

PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.

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Please select one or both of our Newsletters.

Sent every few months, this newsletter shares relevant information, insights and local experts with you to help support your overall wellbeing - the financial aspect of that being just one element. We also work with small local wellbeing businesses to bring you bespoke client offers on their products/services.

Sent when we have something to share, our Business Edit will contain updates on the industry, helpful insights on the services we offer, important reminders, upcoming events, news about our business and/or team and any other good news we want to shout about!

PW& Partners Ltd together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Privacy Policy or the St. James’s Place Privacy Policy.