Directors Pensions

While you may be used to producing business plans to manage and develop your business, you may not apply the same discipline to creating a personal financial plan. Company directors or business owners often have complex pension arrangements amassed through different employers, and we can advise on the best way of ensuring these arrangements are suitable for your long-term financial objectives.

The interaction of salary, dividends and pension as a way of taking benefits from your business can be complex. However, with advice, the options to you can be highly beneficial. Gale and Phillipson’s Independent Financial Advisers provide advice to the self-employed, directors and employees on how pension planning can work effectively for you and your business. This advice doesn’t only incorporate new money into new pensions but is also aimed at ensuring that existing arrangements are understood and represent the best option for you in the future. Often existing plans can contain valuable options and benefits that you may wish to retain.

Business Owners may find themselves with attractive options to both minimise tax and build up their savings for when they want to retire. Tax is just part of the daily life of a business owner like you, but paying as little as  legitimately possible is a worthy objective.

You are constantly planning for the future of your business but we have found it is not unusual to overlook your own financial planning and analysis. Business Owners have different financial planning needs to those of employed professionals. You encounter different issues, and the solutions are not always clear. You have unique needs, so it’s
important that your financial planner is someone you can trust and who is accessible. You want someone who is available when you need to speak to them. Gale and Phillipson provide comprehensive Financial Retirement and Exit Strategy Planning – so you can spend more time doing what you do best… running your business.

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Regulatory Statement

Gale and Phillipson Investment Services Ltd, Gale and Phillipson Advisory Services Ltd, Gale and Phillipson General Financial Services Ltd and Gale and Phillipson (SE London) Ltd are all authorised and regulated by the Financial Conduct Authority (Reference Numbers 431387, 142752, 195080, 195522).  Gale and Phillipson (Herts) Ltd and Gale and Phillipson Consulting Ltd are appointed representatives of Gale and Phillipson Advisory Services Ltd.  Gale and Phillipson (Surrey) Ltd is an appointed representative of Gale and Phillipson Investment Services Ltd. (Reference Numbers 615821, 811525, 703337). All companies trade under the name Gale and Phillipson and are registered in England and Wales numbers 05409822, 02232959, 03751076, 04077157, 08864945 and 04823391.  Registered office for all companies is Gallowfields House, Fairfield Way, Richmond, DL10 4TB.