Specialist Support for Business Owners

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Tap into our vast amount of experience at transforming complex financial questions into clear and focussed plans.


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The business of success

You don’t need us to tell you that running a business is hard work. But we’re more than ready to support you as you grow and maintain your business, advising you and guiding you to make sure your business decisions align with your financial plans.

Advice and Services

With us by your side, you always have a trusted adviser when you need financial insights from someone who understands you and your business goals. We build relationships for the long term, giving you the confidence that comes with knowing we have your interests at heart.

Focus on your goals

Some of your business goals will be for the short term while others will take longer to achieve. We help you focus on your business ambitions, and make sure they are integrated into your wider financial plan.

Looking after your people

Keeping your workforce motivated and productive is one of the keys to business success. We can help you make sure they feel cared for and rewarded by offering financial advice and planning services – a benefit that helps retain the people who make a difference to your team.

Preparing for exit

Whatever stage your business is at, it pays to plan for your eventual exit in order to help maximise its value when it’s time to move on. We work with you to focus on what exit means for you, putting a strategy in place aiming to make sure that when the day comes, your hard work delivers the rewards it deserves.

This involves the referral to a service that is separate and distinct to those offered by St. James’s Place.

Tax planning for business owners

Tax mitigation is an important part of ensuring you don’t pay more tax than you need to, and as a business owner, there are a number of strategies that can be built into your financial plan. From making company pension contributions to looking carefully at the ways in which you draw income, we’re able to put a tax strategy in place that works with your legal obligations while making sure you reap the rewards you’re due.

The value of a pension with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.

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

Creating financial independence

Your business could be the key to your future financial independence, but a strategic financial plan is essential in order to ensure your business grows in value and that you’ll be able to extract the value you need when you want it. We have the specialist expertise to help create just such a plan, and will stay with you for the long-term to help make sure it stays on track towards success.

Cashflow management

Managing cashflow effectively is vital to protect the day-to-day operation of your business. We can help you analyse your cashflow position accurately and put measures in place to improve it, taking care of expenditure and credit control, and helping you avoid the shortfalls that can present a risk to your business.

Protection against risk

There are risks inherent in every business, some bigger than others, and managing them is a crucial part of running a successful company. Recognising which risks are manageable and which could seriously damage the company is important, and we can help you mitigate many of the threats.

Referral to asset-backed lending

Most businesses need to borrow money for a variety of reasons, and there are a number of ways in which loans can be arranged. Asset-backed lending involves leveraging business assets in order to borrow from a lender, and we’re able to guide you through the process of arranging this type of finance.

This may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.