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In the second instalment of our three-part series about how we can help you when it comes to world of corporate finance, we will be discussing the support we can give you as you establish, develop, and grow your business.

You may need to plan with shareholders or business partners to resolve disputes or tax efficiencies, maybe it is time to start putting your growth plans into place, it might even be time to bring some employees on board. Whatever it is, we can help.

Growing your business to the point where you need additional help in the form of employees is great news. But it brings with it many things to think about. Firstly, putting in place an effective benefits and remuneration strategy that is clearly communicated and appreciated can really help you to retain and recruit high-calibre employees. Your dedicated St. James’s Place Wealth Management Partner can work with you to look at which benefits would be best for you and your organisation. Whether that be flexible packages that allow employees to create a benefits package that meets their own individual needs, salary sacrifice arrangements facilitating employee access to tax-efficient benefits whilst reducing your National Insurance costs, or private medical insurance, group life, income protection or critical illness cover. Some of these are important benefits that not only form a key part of a comprehensive employee benefits package, but also enable you to manage your business more effective.

It has long been recognised that most people are not saving enough for retirement and, as a result may not be able to afford to live comfortably in their retirement on just the State Pension. As people are also living longer, there is increasing strain on the state benefits system, so private pension provision is becoming increasingly important. Under the Pensions Act 2008, every employer in the UK must put certain staff into a workplace pension scheme and contribute towards it. This is called ‘auto-enrolment’. We have a range of potential solutions that will provide both you, and your employees, with tax-efficient retirement benefits, depending on both current and future situations. If you are running a successful business, you also want to make sure you personally reap the rewards from your success in your retirement years, and there are many ways in which we can ensure that happens.

In the long term, we can also run workshops with you and your employees to look at their personal financial wellbeing. We can help them better understand their own financial circumstances and empower them to make more informed money decisions, wherever they are in their lives and careers.

To find out more about how we can help you, email michael.sage@sjpp.co.uk or call 0191 7314 539 to book an appointment – we will be more than happy to help.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. 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.

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