At Clarity Wealth Limited, we specialise in providing expert advice and financial planning for business owners, entrepreneurs, and self-employed professionals. Understanding that building and running a successful business requires hard work, dedication, and strategic financial management, we are here to help you navigate the complexities and opportunities of business financial planning.

Financial Planning for Business Owners

As the Founder, director and principal independent financial adviser at Clarity Wealth Limited, I am personally committed to overseeing your financial interests. My journey in building Clarity Wealth into a successful, highly trusted, and respected Independent Financial Advice company has equipped me with deep insights into the unique challenges and opportunities that business owners face. My expertise lies in collaborating with business owners and entrepreneurs, crafting bespoke strategies that ensure your finances are optimised for maximum tax efficiency, intelligent decision making, investment planning and long term growth. I take great pride in forging long-term relationships based on trust and tailored advice. You are invited to experience our personalised service and see how we can make your money work harder for you.

Richard Platt


Independent Financial Adviser/Director/Principal

Why Financial Planning is Important for Business Owners

Owning a business presents unique financial challenges and opportunities. Whether you’re planning to sell your business, protect it from unforeseen events, or grow its assets, effective financial planning is key to achieving your goals and ensuring business continuity.

Sold Your Business?

We understand that you have made significant sacrifices in exchange for a capital event. This capital event represents these sacrifices and we appreciate how important it is to ensure that your funds are protected and provide you with the income and lifestyle that you want.

Why Financial Planning is Important for Business Owners

1. Bespoke Wealth Planning

At Clarity Wealth Limited, our bespoke wealth planning services are meticulously crafted to align your personal financial aspirations with your business objectives. This approach is essential for business owners who face unique financial scenarios that intertwine personal and business finances.

Understanding your financial landscape

Understanding Your Financial Landscape

We start by comprehensively assessing your current financial status, including your business assets, personal investments, debts, and future income streams. This holistic view is crucial for effective Financial Planning for Business Owners.

identifying your magic number

Identifying Your “Magic Number”

Our experts work with you to determine the “Magic Number” – the amount of capital you need to achieve financial independence and a lifestyle where work becomes a choice, not a necessity. This figure is calculated based on various factors like your lifestyle preferences, retirement goals, and projected expenses.

tailored financial strategies

Tailored Financial Strategies

Once we have a clear understanding of your financial situation and goals, we develop a personalised strategy. This may include investment planning, risk management, tax optimisation, and retirement planning, all tailored to your unique situation.

alignment of personal and business goals

Alignment of Personal and Business Goals

We ensure that your business’s financial health supports your personal financial goals. This might involve strategies for business growth, reinvestment, or succession planning.

Regular reviews and adjustments

Regular Reviews and Adjustments

Financial Planning for Business Owners is not a one-time event. We offer ongoing support and regular reviews to ensure your plan evolves with changes in your business, personal life, and the broader economic environment.

transparent communication

Transparent Communication

Throughout the process, we maintain open and transparent communication, ensuring you understand every aspect of your financial plan and the rationale behind each recommendation.

By entrusting us with your bespoke wealth planning, you are not just preparing for a secure financial future but also shaping a legacy that reflects your life’s work and vision.

2. Pension and Retirement Planning

Clarity Wealth Limited understand that the journey to retirement is unique for each business owner. Our comprehensive pension and retirement planning services are designed to ensure that you can enjoy a comfortable and financially secure retirement.

Personalised Retirement Goals

Personalised Retirement Goals

We begin by understanding your personal retirement aspirations. Whether you aim to travel, pursue hobbies, or simply relax, our plans are tailored to support your desired lifestyle post-retirement.

Pension Scheme Analysis

Pension Scheme Analysis

Our experts analyse existing pension schemes, including Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSASs), ensuring they are optimally structured to maximise your retirement benefits.

Investment Advice for Retirement

Investment Advice for Retirement

We provide strategic investment advice to ensure your pension funds are invested wisely. Our approach is grounded in understanding your risk appetite and aligning it with the right investment opportunities to grow your retirement savings.

Tax Efficiency in Retirement Planning - Financial Planning for Business Owners

Tax Efficiency in Retirement Planning

A key aspect of retirement planning is managing taxes effectively. We offer advice on how to leverage tax advantages and minimise liabilities, ensuring more of your hard-earned money is preserved for your retirement.

Business Exit Strategy

Business Exit Strategy

For business owners contemplating a sale or handover of their business, we offer guidance on how to integrate this significant life event into your retirement planning. This includes assessing the impact of the sale on your retirement funds and tax implications.

Ongoing Review and Adjustments

Ongoing Review and Adjustments

Retirement planning is not a one-time exercise. We provide ongoing reviews and make adjustments as necessary to adapt to changes in your personal circumstances, financial markets, and tax laws.

Future Security and Estate Planning

Future Security and Estate Planning

Beyond financial comfort, we ensure your retirement plan addresses estate planning, so your wealth is distributed according to your wishes and your legacy is secured.

Our goal is to ensure that your transition into retirement is smooth, financially rewarding, and aligned with your vision of a fulfilling post-business life. We are committed to guiding you through every step of this important journey.

3. Investment Strategy and Management

Our Financial Planners are dedicated to crafting investment strategies that align precisely with your personal and business objectives. We understand that each business owner has unique financial goals and risk tolerances, and our approach is to create a bespoke investment plan that reflects these individual needs.

Customised Investment Advice

Customised Investment Advice

Our advisors begin by comprehensively understanding your financial targets. Whether your focus is on capital growth, generating income, or a combination of both, we design investment strategies that aim to meet your specific timelines and financial aspirations.

We delve into your current investments, evaluating their performance and alignment with your goals. This thorough analysis is crucial for identifying potential areas of enhancement in your portfolio.

Growth Opportunities and Risk Management

Growth Opportunities and Risk Management

Identifying growth opportunities is a key aspect of our investment strategy. We stay abreast of market trends and leverage our research capabilities to pinpoint investments that offer promising returns.

Concurrently, risk management is integral to our philosophy. We assess the risk associated with each investment option and ensure that your portfolio maintains a balanced risk profile. This approach is designed to safeguard your investments against market volatilities while striving for optimal growth.

Tax Efficiency

Tax Efficiency

A critical component of investment strategy is tax efficiency. Our planners are skilled in structuring your investments to maximise tax benefits. This includes utilising tax-advantaged accounts, considering capital gains implications, and employing strategies like tax-loss harvesting where appropriate.

We regularly review and adjust your portfolio to stay aligned with changing tax laws and regulations, ensuring your investments remain as tax-efficient as possible.

Ongoing Portfolio Management - Financial Planning for Business Owners

Ongoing Portfolio Management

Regular reviews and consultations are conducted to keep you informed about your investment performance and to discuss any adjustments in strategy.

Clarity Wealth Limited want to empower you, as a business owner, with a tailored investment strategy that not only seeks to grow your wealth but does so in a way that is mindful of risk and tax implications. Through our expert guidance and continuous management, we strive to help you achieve the financial independence and security you envision for yourself and your business.

4. Risk Management and Insurance

We understand that risk management is a crucial aspect of safeguarding the sustainability and growth of your business. To address this need, we offer a comprehensive suite of insurance solutions tailored to the unique challenges faced by business owners.

Key Person Insurance

Key Person Insurance

This insurance is designed to provide financial stability in the event of the loss of a crucial member of your team, such as a founder, executive, or key employee. It helps mitigate the financial impact of losing essential talent that can disrupt business operations.

Co-Shareholder Protection - Financial Planning for Business Owners

Co-Shareholder Protection

Essential for businesses with multiple partners, this insurance ensures that in the event of a partner’s death or critical illness, the remaining partners have the financial means to buy out the affected partner’s share. This strategy helps maintain control of the business and protects against potential disruptions.

Income Protection Insurance - Financial Planning for Business Owners

A vital tool for safeguarding your personal financial stability, this insurance provides a replacement income if you are unable to work due to illness or injury. It ensures that both your personal finances and business operations continue smoothly during recovery periods.

Financial Planning for Business Owners Process

Discovery: Understanding Your Financial Landscape

Initial Consultation
At Clarity Wealth Limited, our discovery process begins with a preliminary conversation. This initial interaction, typically lasting about 1 hour, is an opportunity for us to get acquainted. We focus on understanding your unique financial situation, business dynamics, and long-term aspirations.

Assessing Compatibility
The primary goal of this stage is to evaluate how well our services align with your needs. We believe in building relationships based on mutual understanding and trust. Therefore, this session helps us determine if we are the right fit to guide you towards your financial goals.

Gathering Key Information
During this discussion, we gather essential information about your current financial status, business operations, and future objectives. This includes understanding your cash flow, investments, business structure, and any immediate financial concerns or opportunities you might be facing.

Setting the Foundation for Tailored Advice
The insights gained from this session enable us to craft a bespoke approach tailored to your specific circumstances. We prioritise your unique goals and challenges, ensuring that any subsequent advice and Financial Planning for Business Owners are precisely targeted to meet your individual requirements.

Next Steps
At the conclusion of our discovery meeting, we outline the next steps. Should we both agree to proceed, we move forward to more detailed financial analysis and planning. This involves a comprehensive evaluation of your financial situation and the development of a strategy that aligns with both your personal and business goals.

Financial Planning for Business Owners and entreprenures Process

Bespoke Service and Fee Agreement

Formulating a Personalised Service Plan

Formulating a Personalised Service Plan

At Clarity Wealth Limited, we recognise that each business owner has unique financial circumstances and goals. Our approach begins with a deep dive into your specific situation, considering factors such as your business’s stage, financial health, personal wealth, and long-term objectives.

We collaboratively develop a service plan that addresses critical areas such as wealth management, cash flow modelling, tax planning, estate planning, risk assessment, retirement strategy, and investment opportunities. Our aim is to create a roadmap that aligns with both your personal and business aspirations.

Transparent Fee Structure

Transparent Fee Structure

We believe in complete transparency when it comes to fees. Our fee structure is straightforward and communicated clearly upfront, ensuring there are no surprises.

Fees are tailored based on the complexity and scope of the services required.

Regular reviews of the fee structure are part of our process, ensuring it remains aligned with the evolving scope of our engagement and your changing needs.

Commitment to Partnership

Commitment to Partnership

This bespoke service and fee agreement is more than just a transaction; it’s a partnership. We commit to being your financial advocate, continuously adapting our services as your business grows and your financial landscape evolves.

Our goal is to build a long-term relationship based on trust, transparency, and mutual understanding, ensuring that your financial plan remains dynamic and responsive to your life’s changes.

Solutions and Advice

At Clarity Wealth Limited, we recognise that each business owner’s financial situation is unique. Therefore, our approach to developing your financial plan is deeply personalised and meticulously crafted to align with your individual objectives and aspirations.

Comprehensive Market Research

Comprehensive Market Research

  • Industry-Specific Insights
    We conduct thorough market research, focusing on industry-specific trends and forecasts. This allows us to understand the unique financial landscape of your business sector and provide relevant advice.
  • Economic and Regulatory Analysis
    Our team stays abreast of economic shifts and regulatory changes that could impact your business and personal finances, ensuring that your plan remains relevant and effective under varying conditions.
Detailed Financial Modelling

Detailed Financial Modelling

  • Customised Financial Projections
    Utilising advanced financial modelling, we create realistic projections of your business and personal financial future. This includes cash flow analysis, investment growth scenarios, and retirement planning projections.
  • Risk Assessment and Management
    We incorporate risk analysis into our financial models, evaluating various scenarios to understand potential risks and devise strategies to mitigate them effectively.
Tailored Financial Strategies

Tailored Strategies

  • Goal-Oriented Planning
    Whether your objectives involve business expansion, wealth accumulation, tax optimisation, or succession planning, our strategies are tailored to help you achieve these specific goals.
  • Integration of Business and Personal Finance
    Recognising the interconnection between your business and personal finances, we develop strategies that harmonise both, ensuring a holistic approach to your financial well-being.
Regular Review and Adaptation of investments

Regular Review and Adaptation

  • Dynamic Plan Adjustment
    As your business evolves and personal circumstances change, we regularly review and adjust your financial plan to ensure it remains aligned with your goals.
  • Responsive to Market Changes
    In response to market fluctuations and economic changes, we proactively adapt your plan to capitalise on new opportunities and mitigate emerging risks.
Collaborative Approach to investments

Collaborative Approach

  • Client Involvement
    We believe in a collaborative approach, involving you in every step of the Financial Planning for Business Owners process. This ensures that the plan not only meets your needs but also aligns with your vision and comfort level.
  • Ongoing Communication
    Regular updates and open lines of communication are integral to our service. We keep you informed and engaged, ensuring that you are always at the forefront of decision-making.

At Clarity Wealth Limited, our commitment is to provide you with a financial plan that not only addresses your immediate needs but also lays a robust foundation for your future aspirations and legacy.

Implementation and Ongoing Review

Executing the Plan

Executing the Plan
Once a financial strategy is in place, our team at Clarity Wealth Limited meticulously implements each aspect of the plan. This includes reviewing pensions, investments, research, analysis and the implementing of any investments or plans.

Continuous Portfolio Review

Continuous Portfolio Review
Financial markets and personal circumstances are always evolving. Regular portfolio reviews ensure that your investments are performing as expected and remain aligned with your risk tolerance and financial objectives.

Valuation of investments

We provide frequent valuations of your assets, giving you a clear and up-to-date picture of your financial standing. This transparency is crucial for making informed decisions.

Service Assessment

Service Assessment
Our relationship with you is a partnership. We continually assess the effectiveness of our services, seeking feedback to improve and tailor our approach to your unique needs.

Adapting to Changing Goals - Financial Planning for Business Owners

Adapting to Changing Goals
Life events, market conditions, and business milestones can shift your goals. We proactively adjust your financial plan to stay in sync with these changes, ensuring that your financial strategy continues to support your evolving aspirations.

Regular Communication

Regular Communication
Regular meetings and communication are a cornerstone of our service. These touch-points provide opportunities to discuss any changes in your life or business and to update your financial plan accordingly.

Educational Support

Educational Support
We believe in empowering our clients with knowledge. Providing ongoing education about financial products, market dynamics, and tax implications ensures that you remain informed and confident in the financial decisions that affect your business and personal life.

Ongoing Risk Management - Financial Planning for Business Owners

Ongoing Risk Management
Continuously monitoring and managing risks, whether they are market-related, personal, or business-specific, is integral to safeguarding your assets and achieving long-term financial security.

Partnership with Other Professionals

Partnership with Other Professionals
We collaborate with your other professional advisers, such as accountants and solicitors, to ensure a holistic approach to your financial planning and seamless execution of strategies.

The implementation and ongoing review of your financial plan are not just about managing assets; they are about nurturing a dynamic relationship that adapts to your life’s journey, ensuring that every step you take is one towards greater financial clarity and security.

What our clients say

of clients believe that working with us has helped or will help them achieve their goals
of clients were satisfied that we understand their needs and objectives
of clients said they would recommend us to their friends, family and colleagues
of clients were satisfied with our communication between meetings
of clients were satisfied with the speed of response from their adviser and support team
of clients were satisfied with their annual reviews.

At Clarity Wealth Limited, our commitment extends beyond just addressing your immediate financial needs. We strive to forge a lasting partnership with you, the business owner, to foster the growth, protection, and enjoyment of your wealth. Our team of seasoned financial advisers bring a wealth of experience and a deep understanding of the unique financial challenges and opportunities that come with owning a business.

We recognise that each business owner’s journey is distinct, and therefore, our approach is highly personalised. Our advisers work closely with you to understand the intricacies of your business and personal financial goals. This detailed understanding enables us to craft a financial plan that is not only tailored to your current situation but is also adaptable to future changes in both your personal and business life.

Our holistic Financial Planning for Business Owners encompasses a range of services, from wealth and investment management to retirement planning, estate planning, and risk mitigation strategies. We aim to provide comprehensive solutions that safeguard your assets, optimise tax efficiencies, and ensure that your legacy endures.

Furthermore, we believe in proactive communication and ongoing education to keep you informed and empowered in your financial decisions. By partnering with Clarity Wealth Limited, you gain more than just a financial adviser; you gain a trusted ally who is dedicated to your long-term success and financial well-being.

Book an Introductory Chat with Richard

Plan today for a brighter tomorrow

Your journey to financial clarity and security starts here. Let us help you build a strong foundation for the future of your business and your family’s prosperity.

For more information or to schedule a consultation,
please call us on 0113 258 6000
or send a message through the contact form.