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2026 FAMILY, PRIVATELY OWNED AND OWNER-MANAGED BUSINESS SURVEY

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Strategic financial planning for UK business owners

Protect your business, reward your team, and plan your exit with expert, independent advice

Your business is your most significant asset. Ensuring its long-term health, protecting it from unforeseen events, and maximising the value you extract from it requires a robust financial strategy. At Armstrong Watson, our corporate financial planners work as your strategic partners, providing integrated, independent advice to help you navigate challenges and seize opportunities with confidence.

Book your complimentary business financial review

The Armstrong Watson advantage: Integrated financial planning & accountancy

As the financial planning division of a leading accountancy firm, we offer a uniquely holistic perspective. Our strategies are not developed in a vacuum; they are fully integrated with your business's accounting and tax structure. This means:

Enhanced tax efficiency: Every recommendation, from director pensions to exit strategies, is structured for optimal tax efficiency.

Seamless implementation: We work directly with your accountant (whether ours or your own) to ensure your financial plan is implemented smoothly and accurately.

A 360-degree view: We understand the critical link between your business's finances and your personal wealth, ensuring both are working in harmony to achieve your goals.

Frequently asked questions for business owners

Find expert answers to your questions on corporate financial planning, from tax-efficient director pensions and business protection to strategic exit planning and integrated wealth management.

Yes, in most cases, Relevant Life Plan premiums are considered a legitimate business expense and are therefore tax-deductible. Unlike a 'benefit in kind', there is typically no personal tax liability for the employee. 

Absolutely. We can conduct a full review of your existing scheme to ensure it remains compliant with current legislation, is cost-effective, and meets the needs of your employees. 

A cross-option agreement is a legal document that works alongside a shareholder protection insurance policy. It gives the surviving shareholders the option to buy the deceased shareholder's shares, and the deceased's estate the option to sell them. This ensures a smooth and legally binding transfer of ownership. 

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Secure your business's financial future today

Your complimentary, no-obligation business financial review is the first step towards building a more resilient and valuable company. In this strategic session, you will receive: 

  • A confidential review of your current business protection and pension arrangements.
  • Clarity on your options for tax-efficient profit extraction and succession planning.
  • Actionable insights to strengthen your business's financial foundations. 

Schedule my free business financial review

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