Business Owners
How we help business owners
Turn business success into freedom of lifestyle. Protect your asset.
Let hard work shape your future.
We assist you to transition your business success into the personal lifestyle and financial position you desire. Regardless of the phase of business you are in, we take the stress out of ensuring you see the fruits of your hard work personally.
Our advice includes:
Cashflow analysis and structure
Understand the cash flow available to be taken from your business and the optimum structure to be receiving it. Find the balance between business growth and freedom in your lifestyle.
Superannuation contributions
Superannuation contributions can be made in a variety of ways as a business owner. Determine the most effective structure for your circumstances, helping plan for your retirement while optimising your businesses financial position.
Insurance and risk management
Protect your key people to secure the businesses future in the event of the unexpected. Minimise risk for business partners and associated families in various ways.
Debt advice
Structure your debt and repayment strategies to optimise your long-term financial health of the business. Understand the trade-off between accelerating debt reduction and utilising the available funds for other means.
Transition Strategies
Knowing how to extract the value created through years of hard work can be complex. We can help you understand the correct timing, and strategies available to business owners, to maximise the net benefit if/when the time comes to sell.
Frequently asked questions
How do I build a retirement plan when most of my wealth is tied up in my business?
Diversification outside the business via cash flow availability, strategically utilising superannuation, and determining a clear exit strategy can help ensure you don’t rely solely on a business sale for retirement. A plan can be built to transition your business success into financial freedom.
Can you provide lending assistance for our business?
Yes, we have an internal lending specialist. This enables you to integrate, or obtain standalone, assistance with your business’ borrowing requirements. We provide you with the ability to receive financial advice and lending assistance under the same roof.
How do buy–sell agreements work?
These agreements outline what happens if a business partner dies, becomes disabled, or exits to ensure a smooth transition and fair compensation. Protection mechanisms can also be put in place for key persons and replacing income if you are unable to work for an extended period of time.
What are the Small Business CGT concessions, and do I qualify?
These concessions can significantly reduce or eliminate capital gains when selling business assets, but eligibility rules are strict. Receiving advice is crucial before making a decision to restructure or sell to ensure you optimise any potential concessions. We liaise with your Accountant to ensure a collaborative approach to these important considerations.
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