Looking after your business

We can help you with all key areas of corporate financial planning. We can help you with a range of products and advice in areas such as protecting your business, looking after the workforce and cash management, business intestacy and tax mitigation.    We start with a financial review of your business as it stands, identify any areas at risk, and help make sure that both you, your workforce, and your business enjoy a successful, stable future.   Here are some examples of how we can help.
Short-term cash flow for your business

Deciding what to do with excess cash, and where to invest it tax-efficiently, can be a key concern for business owners. We can help advise you according to your attitude to risk.

Tax mitigation

We all want to pay the correct amount of tax; no more or less than we required. We can help you make the most of the appropriate schemes, allowances and reliefs that could bring your tax bill down.

Taxation of shareholding directors

We will review your ‘remuneration strategy’ for your shareholding directors on a regular basis. This helps public limited companies to keep their tax rates as low as possible. If you are a shareholding director, you will need to keep an eye on your ‘remuneration strategy’. We will take the time to regularly review with you the remuneration strategies of your shareholding directors to ensure you’re doing everything possible to take advantage of any schemes, allowances and reliefs that might apply.

Managing cash in your business

Cash is a really important part of your business finances and growth plans, no matter how large or small your business is.  Most small businesses don’t have the luxury of a dedicated finance manager who can move and manage cash to help maximise your returns or manage bank credit risk. We have access to a simple, innovative solution to help you manage cash efficiently and effectively*.

Auto-enrolment

As an employer, you have responsibilities regarding staff pension benefits and contributions. It can be a complex area, and we are happy to help and advise you.

Key Person Cover

What would happen if you lost one of the key people in your company? Would your operations or profits be at risk in the short-term? Key Person cover helps you manage that risk.

Business expansion or exit

If you are looking to expand your business or are starting to think about exit and how life can be after exit, you will need to understand your business value today.  

We have a number of tools that enable you to value and compare your business to other similar companies, enabling you to quantify your business success in the context of your future personal financial goals**.

If you are ready to exit within the next five years, we can help you understand how to maximise that value and make your business even more attractive to a potential buyer and help you plan for whatever comes next. 

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. Investing does not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

* This is the SJP Cash Deposit Service Powered by Flagstone and is separate and involves the referral to a service that is separate and distinct to those offered by St. James's Place. Auto-enrolment schemes are not regulated by the Financial Conduct Authority.

** I may work in conjunction with external growth advisers and SME specialists, who have been carefully selected by St. James's Place. The services provided by these specialists are separate and distinct to the services carried out by St. James's Place and include advice on how to grow your business and prepare your business for sale.

Want to know more?

Let’s start with a financial review of your business as it stands, identify any areas at risk, and help make sure that both you, your workforce, and your business enjoy a successful, stable future. If you want to have a chat to see how we can help you and your business, why not contact us today.