Business Owners
Your company has people looking after its finances. The holding company, trusts, property and personal accounts around it usually don’t, and that gap matters most on the day you sell or hand over.
Where the Business and the Family Meet
Some of this comes up every year. The rest decides what a sale leaves you with, and it pays to start early.
How You Are Paid
We set your mix of salary and dividends each year, weighing the personal and company tax together.
Shareholder Loans
We track what you owe the company and what it owes you, and plan repayments before they become a problem.
Property Used by the Business
We look at whether the building belongs inside the operating company, long before a buyer asks.
Capital Gains Exemption
We check whether your shares would qualify while there is still time to fix what would stop them.
Passing on Growth
Letting family members share in the company’s future growth works best while that growth is still ahead.
Sale-Ready Records
We clear intercompany balances and separate personal expenses, so the books stand up to a buyer’s review.
How We Help
We run the family side of the business and plan for a sale or handover.
Tax Planning
We plan your pay, the company’s surplus and the loan account each year.
Business Succession
We plan the handover, whether to a buyer or to family.
Fractional CFO
We look after budgets, cash flow and loans for the family outside the business.
Bookkeeping and Tax Compliance
We keep the books and returns for any holding company or trust, reconciled through the year.
The decision to sell, and to whom, is yours. Your corporate lawyer drafts the documents.
Questions to Answer Before the Business Changes Hands
If one of these is hard to answer today, that is a good place to start.
- Who would buy the business?
- Who runs it if you step back?
- Who signs if you cannot?
- Is the shareholder agreement current?
- Does the family know the plan?
Thinking About Succession?
Most owners start this conversation later than they would like.