We can help you plan
Whether you’re preparing to sell, pass your business to family or gradually step back, Attivo can help you plan for what comes next.
Our Lifestyle Financial Planners bring your business interests and personal finances together, helping you understand how your wealth could support the life you want beyond work. From building assets outside your business to planning for sale proceeds, we’ll shape our advice around you, your family and your ambitions.
How Attivo can support your business exit strategy:
1
Understand what you need from your exit
We start by getting to know you: when you’d like to step back, the lifestyle you want and the commitments your money needs to cover.
Using cash flow modelling, we can explore how your pensions, savings, investments and potential sale proceeds could support those plans. We can also test different scenarios, such as a later sale or a lower-than-expected valuation, to help you understand potential shortfalls and the choices available to you.
Cash flow projections are based on assumptions and are not guarantees of future outcomes.
2
Build wealth outside your business
Your business may be your largest asset, but it doesn’t have to be your only source of retirement funding.
We can review your existing pensions, savings and investments, recommending suitable ways to build personal wealth alongside your business. Our advice considers your tax position, access to your money and attitude to risk, as well as your longer-term goals.
3
Bring your personal and business plans together
Decisions about surplus business cash, pensions and business premises can all affect your financial future.
We can help you consider how these fit into your wider financial plan, working alongside your accountant, solicitor and other specialist advisers where appropriate. While they support the legal, accounting and transaction aspects of your exit, we focus on what those decisions mean for you and your family.
4
Create a plan for your sale proceeds
When a sale turns business wealth into personal wealth, we can help you decide what comes next.
We’ll consider your immediate spending needs, retirement income and longer-term ambitions, bringing together investment, pension and tax planning where appropriate. Any recommendations will reflect your circumstances, the level of risk you’re comfortable taking and your ability to withstand investment losses.
5
Support your succession and legacy plans
If you want to pass your business to the next generation rather than sell, we can help you consider the implications for your personal finances and estate.
We’ll explore how your plans could affect your future income, family priorities and potential Inheritance Tax position. Where share transfers or trusts are being considered, we can work with legal and tax specialists to help align the arrangements with your wider financial goals.
Support that continues after your exit
Our support doesn’t have to end when you step away from the business.
Through an agreed ongoing service, your dedicated Lifestyle Financial Planner can review your plan as your circumstances change. Whether you’re adjusting to retirement, supporting family or considering a new venture, we can help you assess what those decisions could mean for your finances.
Independent advice, built around you
As independent Chartered Financial Planners, we’re not tied to a particular product provider. We can consider solutions from across the market and recommend those suited to your individual needs.
You’ll have a personal financial plan that connects your business exit with your wider life, supported by clear explanations of our recommendations, the risks involved and the costs of our service.
Talk to us about your next chapter
You don’t need a confirmed sale date or a fully formed exit plan to start a conversation.
A free, no-obligation consultation gives us the opportunity to understand your priorities and explain how Attivo could support you before, during and after your business exit.
Important information: This page provides general information only. It does not constitute personal financial, investment, legal or tax advice. The value of investments and any income from them can fall as well as rise, and you may get back less than you invest. Cash flow modelling uses assumptions about future circumstances. Actual outcomes may differ from the projections. Tax treatment depends on individual circumstances and may change in the future. Tax and estate planning are not regulated by the Financial Conduct Authority. We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit.