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Planning for Owner Directors

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Financial Planning for Business Owners & Company Directors

All too often we meet with owner directors who for years have worked closely with accountants, believing that taking salary and dividends is the most tax efficient method of drawing profit from their business.

However, as an Owner Director you have hugely tax efficient, legitimate methods of extracting profits from your business. Arranged properly these can help build your Retirement funds and protect your liabilities on the way.

Did you know?

Arranged properly, paying an employer Pension contribution into your Personal Pension using company profits is an allowable business expense. This allows you to draw profit from your business (into your own name), without liability to Corporation tax, Corporate National Insurance, Personal National Insurance or Personal Income tax*.

*Personal Income tax is payable on 75% of your Pension when you eventually draw it.

Other Benefits

  • Growth on your Pension investments is tax free
  • Proceeds can be accessed from age 55 (moving to age 57 in 2028)
  • You can withdraw 25% of your Pension value as a tax-free lump sum at any time from age 55 (without having to draw a Pension income)
  • In the event of your death, proceeds can be passed to your family, or anyone else of your choosing (free of income tax if you die before age 75)
  • Your Pension fund is normally held outside of your estate for Inheritance Tax purposes

We are sure you will agree that these features compare favourably to many other forms of saving.

At JMA we can help Owner Directors arrange effective solutions for:
 

  • Pension Planning
  • Relevant Life Insurance
  • Key Person Insurance
  • Shareholder Protection
  • Business Loan Protection
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Planning your financial future as if it’s our own

This is not a meaningless slogan, thought up by marketing experts. It is genuinely how we work. When you become our client we effectively step into your shoes and ask ourselves constantly, ‘given these circumstances, what would we do in your position?’

This remains our long-term commitment to you and applies to all, whether you are a private or corporate client.

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Est. 1986

35+
Years of
financial expertise

We’re proud to have been serving our clients for over 35 years, and it doesn’t stop there.

The investment solutions, tax planning strategies and processes we implement for our clients are exactly what we do at a personal level.

We can think of no better endorsement than that.

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OUR FINANCIAL ADVICE SERVICES

Our financial services are designed to put you first and determine the most effective way to achieve your goals. It’s expert financial advice unique to you.
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Financial Planning

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Estate Planning

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Retirement Planning

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Protection Planning

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Investment Planning

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Corporate Services

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START YOUR JOURNEY WITH US TODAY

We understand that financial planning can be complex, if not daunting. Our goal, together with you, is to help guide you to a secure financial future, allowing you to confidently enjoy today, and tomorrow.

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WHAT OUR CLIENTS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

My wife and I have been personal clients of JMA for all it’s 25 years. The cyclical nature of our economy has meant several periods of national financial turbulence and anxiety. Such a long association has enabled the soundness of the advice given, to be demonstrated by the performance achieved.

 

 

Trevor Phillips, Surrey

 

Having been badly let down by our previous adviser, and lost a lot of money because of his unprofessional self-interest, we were determined to appoint financial advisers who could provide a flexible service tailored to our individual needs. JMA have exceeded our expectations in all respects.

 

 

Bill & Sue Colledge, Surrey

 

 

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