Running a business means your personal and financial life are deeply connected. Your wealth, your legacy, your family’s security — they’re all tied to the decisions you make as an owner. The challenge is finding balance: growing the business, protecting against risks, planning succession, and still ensuring your personal financial goals don’t get left behind.
Act as strategic partners, aligning your business strategy with your personal goals.
Deliver cash flow modelling that shows how your business can fund wealth creation and retirement.
Structure risk management strategies to protect both your business and family.
Build succession and governance frameworks that secure the long-term value of your business.
When sickness or partnership breakdowns hit, we help owners rebuild personal and business finances, protecting family security - particularly where one partner hasn’t been active in money management.
A husband-and-wife team running a successful construction business came to us overwhelmed — all their wealth was tied up in the business, leaving them vulnerable to financial risks. We empowered them with a strategy that restructured debt, shifted surplus profits into investments, and established insurance to protect the business in the event of an unforeseen incident affecting either partner. At the same time, we modelled their personal retirement timeline. For the first time, they could see that business funding not only supported their growth but also their family’s long-term security. At the same time, we modelled their personal retirement timeline. For the first time, they could see that business funding not only supported their growth but also their family's long-term security, directly contributing to their retirement goals. The key addition emphasises how operational improvements within the business directly supported their retirement planning, making the connection between business efficiency and personal financial aspirations clear.
A long-standing client was planning to sell his professional services firm, but wasn’t sure how to time it. We worked alongside his accountant and lawyer to map various sale scenarios, illustrating the after-tax impact and its implications for his lifestyle. By stress-testing his retirement income against multiple sale prices, he gained the confidence to accept an offer and step away from the business. Today, he enjoys a retirement focused on travel and family, without the lingering worry of whether he sold “too soon.”
