Running a business comes with endless decisions about revenue, costs, tax, staff, growth. But what many business owners overlook is how these business decisions affect their personal wealth, lifestyle goals, and long-term financial security.
At Avail Financial Planning, we help business owners take a step back and look at the bigger picture. We offer holistic financial advice that ties together your business performance, personal finances, family goals, and future plans so you can make smarter, joined-up decisions.
What Is Holistic Financial Planning?
Holistic financial planning is about more than pensions and ISAs.
It’s a joined-up approach that considers all aspects of your financial life including income, savings, investments, tax, protection, debt, business structure, retirement, and legacy.
For business owners, this means integrating your business and personal finances in a way that works for you.
We help answer questions like:
- How should I pay myself — salary, dividends, or pension contributions?
- How do I extract profits tax-efficiently and still invest for the future?
- Am I protected if something happens to me or my business?
- How does my current lifestyle affect my long-term wealth?
- Am I building a retirement plan that isn’t solely dependent on my business?
Why Business Owners Need a Joined-Up Approach
Traditional financial advice often treats business and personal finances separately. But for you, they’re completely connected.
A decision to take more salary, delay a dividend, invest in a pension, or buy a property — these all have tax, cash flow, and wealth-building implications.
Without holistic planning, many business owners:
- Miss opportunities to reduce tax
- Overlook ways to build long-term wealth
- Fail to protect their income or their family
- Keep too much cash in the business, and not enough in their own name
What We Do Differently at Avail
We specialise in working with business owners and professionals earning £100,000 or more who want expert guidance to bring structure, strategy, and clarity to their finances.
Here’s how we support you:
1. Integrated tax and planning strategy
We help you make decisions that are both tax-efficient and aligned with your personal goals.
2. Profit extraction planning
We guide you on how to move money from your business to your personal name through pensions, investments, property, or protection in a way that makes financial sense.
3. Retirement planning that works with your business
We’ll help you build a retirement strategy that doesn’t rely on selling the business or having to keep working.
4. Protection for your income, assets and family
We ensure that the income you’ve worked so hard to build is protected whether through relevant life cover, shareholder protection, or other tailored solutions.
5. Clear financial direction
You’ll gain clarity around your money, what it’s doing for you now, and where it will take you.
A Typical Client Scenario
A limited company director earning six figures was accumulating profits in the business, unsure how best to take money out. He had no pension, no life cover, and wasn’t sure if he could afford to buy a larger home.
We created a plan that:
- Allocated annual pension contributions to reduce Corporation Tax
- Built a personal investment portfolio for long-term flexibility
- Protected his income through a Relevant Life Plan
- Helped him secure a mortgage structured around his business income
The result was a clearer plan, reduced tax, improved borrowing power — and peace of mind.
Why Clients Choose Avail
We offer more than financial advice — we offer clarity, confidence, and control.
Our clients are ambitious business owners and professionals who want their money working as hard as they do. They want to plan ahead, protect what they’ve built, and create freedom in the future without compromising on lifestyle now.
We’re here to guide that journey.
Ready to Take a More Strategic Approach?
If you’re a business owner earning £100k or more and want to feel more in control of your financial future, we’d love to help.
Let’s start with a no-obligation Clarity Call. We’ll talk about your current situation, what’s important to you, and how holistic planning could support your goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.
SJP Approved 24/07/2025
