Visualise your financial future

All business owners have a vision; what the business can achieve and what’s required to make this happen. This vision can cover outcomes both financial (revenue, profit, employee numbers etc) and non-financial (contribution to communities).

One aspect that can be overlooked is the vision for you as a business owner. What does success look like for you as an individual, and what do you need to achieve this?

To help our clients answer such questions, Beever and Struthers has partnered with Pareto Financial Planning to supplement the support and advice we provide, helping our clients to achieve better.

Pareto financial adviser, Chris Colclough, will use cash flow modelling to illustrate your financial plan relative to your objectives. This can help you answer questions such as “do I have enough money?” and “when can I afford to retire?”.

Within this process a number of “what if” scenarios should be considered, to see how these might impact on the vision. As recent experience has taught us, the best-laid plans must be flexible to react to events outside our control.

Business owners will at some point look to exit the business, whether to retire or pursue new challenges. These exit plans need to address both business and personal considerations.

Our corporate team at Beever and Struthers works closely with Chris Colclough at Pareto to ensure that the potential value to be realised through a business exit is maximised, and sufficient to achieve the business owner’s personal financial vision.

With proper consideration and planning the outcome can be the “win-win” scenario we all strive to achieve. But the sooner that planning and consideration begins, the better for all concerned.

This planning will cover areas where the input from the team at Pareto can make the difference. We all know that business valuations are, in some way, based upon a multiple of earnings.

How the multiple is determined, and the basis on which the earnings are assessed are where our corporate team will advise.

And with the involvement of the Pareto team, there are other ways we can maximise the valuation.

For example, we can look at your employee benefit provision. Maximising the level of benefits provided will clearly benefit your employees.

Providing this level of benefit in the most efficient way possible means that the all-important earnings number on which the multiple is placed will also be maximised. Another example of a “win-win” scenario.

If you believe your financial future would benefit from a review, please contact me or Chris Colclough at Pareto Financial Planning Limited, Authorised by the Financial Conduct Authority.

Achieving better in all matters financial.

Enjoyed this? Read more from John Jones, Beever and Struthers

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