Helping you sleep better at night.

Our main focus is to use tax‑aware strategies to support long‑term business plans and protect & reward the people your business depends on. Depending on your circumstances and needs, this may include owner and executive bonus plans, key‑person coverage, funding buy–sell agreements, and optimising cash reserves for growth and predictable future income streams.

A simple test is to ask yourself 2 simple questions : “If I or another key person disappeared tomorrow, what would happen to revenue, payroll, lenders, and the family behind that person?” and "I am comfortable that our tax position is fully optimised and we can't improve how we manage our profits and cash reserves?" If the answer to either question makes you uneasy or you aren't sure, there’s usually a planning gap we can address. Our consultations are free and there is no obligation so there's nothing for you to lose.

Executive bonus and cash‑value arrangements can give owners and selected key people an extra, meaningful benefit that grows over time. When properly designed, they can create a favorable tax position for the business and add personal value to the employee. These extra benefits make it easier to keep high performers and align them with the long‑term success of the company.

Having an agreement on paper is the right start, but it doesn’t answer the question “Where will the money come from?” Our review process will help you to understand whether there is a clear, realistic funding plan in place so surviving owners, families, and the business aren’t forced into rushed decisions at the time the business needs to be stabilised.

In many cases, the reverse applies and the most effective strategies are those used by SMEs with a handful of owners or key people - it's not just for large corporations. If you want to find a better way of building wealth and optimising your tax position, or your business would feel real pain from losing one or two individuals, or if you’re thinking about succession and exit plans, you’re big enough for this to matter.

We don’t replace your existing advisors - we work alongside them. We are licensed as specialists in certain types of products, and our role is to assess and explain how those products can fill the gaps in your wider strategy. We will explain this in plain English, then coordinate with your advisors to ensure that our recommendations align with your overall tax strategy and legal positioning.