We will show you how the financial stability of a modern business can be protected by prudent financial planning and the welfare of staff enhanced.

The need for a “Business Protection” arrangement is essential to ensure the long term stability of the Company. If a key Shareholding Director were to die unexpectedly has the Business considered potential impacts?

Whether established as a Partnership or as a Limited Company, the financial planning needs of the modern business are similar. Questions that all such operations should consider, include: -

Have you considered what would happen to overall profitability if a Director or Partner or key employee were to be absent for an extended period because of serious illness or even death?

Would you like to consider "diverting" taxable profits, for the benefit of the Directors/Partners and their families?

Do you pay too much Income/Corporation Tax on your profits?

In the event of the death of a Director or Partner the Business must consider the following:

		To whom would he leave the Shares?
		As the new share holder how can your widow and family benefit from the value of your shares?
		Could the new shareholder bring the required skills, expertise and knowledge to the Firm?
		Would the surviving Directors be happy with their new boss or colleague?
		Might the new shareholder, in their own best interests sell them to a very unwelcome competitor?
		If left to the Widow, could the remaining Directors afford to buy the shares from her?
		How long will it take for the Firm to find a suitably qualified person to replace the Director?
		What will be the immediate impact on the Company’s profits and on the dividends?

Employees value the consideration that employers give to the various types of "welfare" schemes that are available. Careful selection of those relevant to your operation may be a valuable investment in your staff and help to reduce the substantial costs of "selection and recruitment" that are an inevitable consequence of turnover. Such arrangements include:-

		Group Private Health Insurance
		Group Pension Schemes
		Income Replacement Sickness Schemes
		Group Life Assurance Plans

		Have you considered what would happen to overall profitability if a Director or Partner or key employee were to be absent for an extended period because of serious illness or even death?
		Would you like to consider "diverting" taxable profits, for the benefit of the Directors/Partners and their families?
		Do you pay too much Income/Corporation Tax on your profits?