Business Financial Planning
We work with businesses providing them with independent investment advice to manage and protect their wealth; working with them to achieve investment growth. Corporate financial planning is about far more than arranging employee benefits and pensions. It involves making certain that businesses have taken all the right measures to be in the best position to achieve their business goals and the necessary steps to protect themselves.
The MFSA & FCA does not regulate some Employee benefits.
Business Protection
If you own your own business you will need to consider what might happen if you or a key employee became ill and were unable to work? Or if you or a key employee died? Business protection can ensure your company can continue to operate no matter what eventualities may occur. We refer these clients needs to an insurance specialist.
The plan will have no cash value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
The policy may not cover all definitions of critical illness. For definitions please refer to the key features and policy documents.
Employee Benefits
Looking after your employees will assist you in both recruiting and retaining high calibre members of staff. We invest time in getting to know your business goals in order to advise you on the most suitable employee benefits that will fit together with your business plans before we make a recommendation.
Solutions could include: Flexible benefits, group pensions, death in service, group income protection insurance, group critical illness cover or group private medical insurance.
We provide investment strategies and partner with specialists in other areas to help identify a range of suitable plans providing a range of benefits for the company and its employees.
Directors' Pensions
Pensions remain one of the most tax-efficient ways for business owners and company directors to save for their retirement.
Any Company contributions will normally receive Corporation tax relief whilst you will receive tax relief at your highest marginal rate on any personal contributions (subject to certain limits).
A pension can be a way of extracting business profits tax-efficiently for the benefit of a director or business owner.
This will grow free from most taxation, provide a tax-free lump sum and an income afterwards, when you decide to retire or take the benefits.
We provide the investment strategy and investment portfolio advice, working with pension specialists to help identify the to help identify the most suitable plans for you as a Director of a company.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Corporate Investment
A good corporate investment strategy can assist you in protecting your interests - commercial and personal - for the long term; maximising investment opportunities and capitalising on optimised management of your revenue streams.
We can help you with making investments to achieve either personal or business objectives and can offer corporate investment advice on a range of subjects. Come and talk to us about how we can provide advice tailored to your particular circumstances.
The value of investments and income from them may go down. You may not get back the original amount invested.