Protection For Business Owners

Business Intestacy Risk

While many people appreciate the value of a personal will, many businesses fail to realise how important it is to take similar decisions regarding the future of the business in the event of death or critical illness. If you have no share succession arrangements in place, the result could be ‘business intestacy’, meaning that the state will decide what happens to your shares. We will help you consider your business’s succession arrangements, and make the right choices for you, your family and fellow shareholders.


Automatically passing shares to a beneficiary in the event of your death may not be the best decision for the long-term health of the business. Can you be sure that your beneficiaries would share the same business goals as your current shareholders? Do they necessarily share the same passions?

We’ll help you consider what’s best for you, your beneficiaries and the business, discussing potential solutions that could allow fellow shareholders to buy your shares, and give your beneficiaries the opportunity to realise their market value.

You may have already made such arrangements, but we can still review them and conduct a useful business intestacy risk check. This will help you decide whether existing arrangements are adequate, or whether further attention is required.

Key Person Cover

Most businesses have key directors or employees whose expertise, skills or knowledge are fundamental to the business’s wellbeing. If they should fall seriously ill or die, the personal tragedy could be compounded by the business’s subsequent decline.

We will help you arrange important cover for key people within the business, ensuring that in the event that they are no longer able to contribute for whatever reason, the business will benefit from invaluable protection.

Easing the Tax Burden

Although the details of income tax thresholds and burdens are subject to regular change, it’s always the case that consideration of effective methods of easing tax liabilities remains important. We’ll help you look at your overall tax burden, calculate whether you’re making the best use of your ISA and Capital Gains Tax allowances, and take a look at the planning of your lifelong cashflow requirements.

The value of a St. James’s Place investment will be directly linked to the performance of the selected funds. These values can fall as well as rise. You may get back less than the amount initially invested.

Auto enrolment is not regulated by the Financial Conduct Authority.