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The Financial Surgery

Is Your Business Financially Fit?

A focused 1-to-1 session with an Independent Financial Planner.

Find out more

Alec Cameron

Independent Financial Planner.

Sound familiar?

You built a successful business but when did you last review your own finances?

Corporation tax is eating into your profits more than it should.

You have no plan for what happens if you are unable to work.

You have not thought seriously about how you will eventually exit.

Your pension is years behind where it needs to be.

You're not alone - and it's fixable.

What is a Financial Surgery?

A Financial Surgery is a focused, private 1-to-1 session with a qualified Independent Financial Planner - built specifically for business owners.

No jargon

Plain English that makes sense

No obligation

Explore your options freely

Fully regulated

Advice2U is authorised by the Financial Conduct Authority

We Can Cover Any of These

Director Pensions

Maximise contributions & cut corporation tax

Business Protection

Shareholder protection, key person cover

Tax Efficiency

Extract profit in the most tax-efficient way

Exit Planning

Business Asset Disposal Relief (BADR), business sale, succession strategy

Investments

Making surplus cash work harder for you

DEEP DIVE:

Director Pensions & Corporation Tax

Contributions made through your limited company are a corporation tax-deductible expense

The annual allowance for most directors is up to £60,000 per year

Unused allowance can be carried forward up to 3 years

Pension funds grow free of income tax and capital gains tax

From age 55*, you can access 25% of your pension pot tax-free

*Rising to 57 from 2028. Tax treatment depends on individual circumstances and may change. Corporation tax relief is subject to HMRC rules and eligibility.

DEEP DIVE:

What would happen to your business if you, or a key person, could not work?

Shareholder / Partnership Protection

Ensures surviving owners can buy out a deceased or critically ill partner's share

Key Person Cover

Protects the business against the financial impact of losing a key employee

Relevant Life Policy

A tax-efficient way to provide life cover for directors through the company

DEEP DIVE:

Exit Planning & Business Asset Disposal Relief

Planning your exit is the most important financial decision you'll ever make.

Business Asset Disposal Relief (BADR) can reduce Capital Gains Tax (CGT) to 18% on qualifying gains.

Getting the structure right years in advance can save tens of thousands in tax.

Pension planning and exit planning should be considered together.

Whether selling, passing on, or winding down - the earlier you plan, the better.

We can work alongside your accountant and solicitor to join the dots.

Tax treatment depends on individual circumstances and may change in future. BADR rates correct at time of publication.

DEEP DIVE:

Director Pensions & Corporation Tax

Contributions made through your limited company are a corporation tax-deductible expense

The annual allowance for most directors is up to £60,000 per year

Unused allowance can be carried forward up to 3 years

Pension funds grow free of income tax and capital gains tax

From age 55*, you can access 25% of your pension pot tax-free

*Rising to 57 from 2028. Tax treatment depends on individual circumstances and may change. Corporation tax relief is subject to HMRC rules and eligibility.

DEEP DIVE: