Advice for entrepreneurs and business owners
Providing you with a bespoke, comprehensive financial plan to help you achieve your goals and aspirations.
Apollo Private Wealth is proud to work with entrepreneurs and business owners who require holistic, tailored wealth management solutions.
We have extensive experience working with entrepreneurs through the different stages of growing their businesses and supporting their personal lives.
Whether you are just starting out, scaling your business, exploring your exit path or considering life after exit, we will support your growth.
Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.
How we can help
Designing a tax-efficient remuneration strategy for company directors, based on a combination of salary and dividends, that closely matches your objectives.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Refers to insurance policies designed to shield businesses from the financial repercussions associated with the inability of a crucial team member to perform their duties, due to critical or terminal illness, or death during the policy term.
In essence, key person insurance is a strategy by which a business secures itself against the financial setbacks it could face under such circumstances. It’s aimed at reassuring stakeholders that the business has the resilience to not only survive but also prosper, even after the loss of an essential individual.
Via SJP’s Private Client team, unlock access to a selected panel of private banks and lenders, introduced depending on the unique aspects of your commercial requirements.
Commercial lending is not regulated by the Financial Conduct Authority.
All enquiries for commercial banking and lending will be referred to a service that is separate and distinct to those offered by St. James’s Place.
As an employer, you are generally obligated to provide a workplace pension scheme. This mandate is not just a legal requirement; offering a workplace pension is a significant advantage for your employees and an effective method for attracting and retaining top talent.
There are multiple choices available, including the government’s NEST scheme, or creating a bespoke pension scheme tailored to your organisation.
If existing multi-employer pension schemes don’t meet your needs, considering a bespoke scheme could be worthwhile. Typically, these are adopted by larger corporations with a large number of employees and particular needs.
The value of an investment 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.
Designing investment strategies both for the profits you extract from your business over time, as well as the proceeds of your exit.
The value of an investment 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.
Undertaking in-depth reviews of your business, and implementing tailored insurance programmes to protect your business from a wide range of risks.
Helping to manage short-term cashflow and deposit requirements, and identifying appropriate financial solutions.
As a Senior Partner Practice of St. James’s Place we can introduce you to Flagstone, who are the preferred cash management provider of St. James’s Place, and whose services are separate and distinct to the services offered by St. James’s Place.
Preparing you and your business for exit – including achieving financial independence, or reducing your working hours – maximising the value of your business, utilising intelligence tools and developing your business for sale.
Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.
Preparing your family members for business succession.
Encompassing inheritance tax planning, retirement and pensions, and generating a tax-efficient income post-sale, designed to replace salary/dividends.
The value of an investment 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.
Aligning business risk to personal risk
The perception of risk for an entrepreneur or business owner is often different from that of others. The risk here is that a personal view can sometimes hinder you when investing your assets for long-term growth.
When you get to the stage of exiting your business, the way you invest the proceeds of the sale should aim to set you up for whatever you envisage life post-exit to be.
Tax-efficient investment management can help you diversify your assets and grow a meaningful income.
Evolving priorities
Just like a business plan, an exit plan provides a strategic view of where you are and where you are going. With the right advice, you can maximise the value of your business by developing the business for sale.
By envisaging the bigger picture and using your guiding principles, we will work with you with the aim of achieving a desired outcome for you and your family.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Exit strategies may include products and services that are separate and distinct to those offered by St. James’s Place.
Access to specialist banking and lending for businesses and directors
Tax-efficient remuneration
Exit and succession planning
Seeking a tailored financial strategy?
Schedule a consultation with one of our experienced advisers to comprehensively assess and map out your specific financial requirements.
This personalised meeting is an opportunity to delve into your unique financial situation, discuss your goals, and develop a tailored strategy that aligns precisely with what you need for achieving your long-term financial aspirations.
