How we can help

Business protection

While every well-run business has a strategic plan for its future, not every business owner has the time or knowledge necessary to plan for their own financial needs.

We know that for many business owners, the day-to-day demands of running a successful venture can be all-consuming. This leaves little time to stay on top of important issues, like taking proper care of your financial arrangements or putting in place the right plans to build your future financial freedom and security.

Whatever stage you have reached with your business venture – well-established, still growing or ready for exit – we will give you the independent financial advice you need to make the right decisions for your future.

An introduction to shareholder protection
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Covering your business risks

We work with entrepreneurs day in, day out. So we understand that owners and directors often rely on complex operations and specialist personnel. This is where we have forged a reputation for adding value through our planning expertise.

Clients also find we’re adept at working with their legal and accountancy advisers. So they benefit from a more coordinated strategy that contributes to their continued success. For example, by helping to prepare a business lasting power of attorney or ensuring key individuals have the relevant life cover.

Critical illness or death would not only be a devastating blow to that shareholder’s family. But it could also have major implications for the future of the business and its ownership structure.

Shareholder protection policies provide vital finance in these circumstances. They offer your remaining directors the ability to buy out and retain full control of the business. They can also provide funds for the family to help lessen the financial impact of their dramatic change in circumstances.

This is where coordination between all professional advisers is so important, and here is where our extensive experience of working with the business owners, their accountants and legal advisers helps to ensure a smooth transition at what is a highly disruptive time.

What happens if key staff pass away or are critically ill?

The loss of anyone who contributes significantly to the growth and success of your business could leave you without vital skills and knowledge. This may also have significant financial consequences. Such as the loss of valuable contacts or a downturn in business performance that leads to lower profits.

Key person cover can give your business much-needed breathing space during a time of potential instability. With so many key person policies available from different insurers, our advisers will help you find the right one. We have plenty of experience in setting up this type of protection and advising on whether the premiums could be tax-deductible. Again, working alongside your accountant to provide the best advice for you.

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Here to help you as well as your business

It’s easy for busy entrepreneurs to overlook the need to plan and organise their own finances alongside those of their business. Owners, directors and their families are all likely to need advice on investments, pensions, retirement or tax planning at some stage.

That’s why our independent advisers take a holistic approach to your financial needs – both business and personal – now and for the future.

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Guiding you to financial freedom

Our aim is to help you accumulate and plan your wealth to achieve financial freedom in life.
ABOUT US

Together, we make financial freedom simple.

As truly independent advisers, we don’t have in-house products we have to sell. And we don’t limit our advisers to specific financial solutions. Instead, we give them the freedom, knowledge and resources to recommend what’s best for each client so they can ensure the best possible outcomes.

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We have been very happy with the service we have received from PWM. We have always had clear and proactive advice in a timely manner. The staff are very friendly and helpful and respond to any points raised by us and are always available to talk through any issues which we may have”

Retired Partner, Magic Circle Law Firm

We have collaborated with Duncan and PWM for many years. Client feedback has always been exemplary, and we are always impressed by Duncan’s creative and collaborative approach. Duncan and PWM would always be our first choice of financial planner due to his extensive knowledge and PWM’s true independence.”

Alexandra Gordon
Managing Partner, Tassells LLP

We have built up such a strong relationship with you, based on mutual trust, professionalism, dedication and the strongest of product and market knowledge and you had never let us down. Your integrity, honesty, caring and positive approach served us well in the past and continues to do so today.”

Anonymous
Anonymous

Brett has advised me very soundly for 10 years. He’s comprehensively across the big stuff that can blow holes in financial wealth if not spotted. He also provides excellent continuing client focus and service. Delighted to be a client of his.”

Keith Bottomley

PWM have always shown great integrity in all my dealings with them.”

Head of UK & Global Credit

We wanted sustainable fossil-fuel free investments but it is difficult at present to pick something off the shelf. We were therefore pleased that with advice from Nathan at PWM, we have been able to implement a portfolio that maintains diversity and meets our objectives."”

Sustainable Investors, Surrey