Business Owners & Self-Employed

Corporates, business owners and their teams tend to focus on creating a great experience and value for their customers whilst maintaining competitive advantage and exploiting opportunities. The pressures of maintaining such a pace in competitive markets often means that the well-being of the business can take priority over long-term financial planning.

KAL Capital Partners works with corporates and business owners on the journey from start-up, to expansion, maturity and right through to ultimate sale. We help business owners understand what they will need financially for the rest of their lives and how much it will cost to effect.

We always advocate a proactive rather than reactive approach to financial planning. The unexpected death or serious illness of a key director or employee can have far reaching consequences for a business. We help business owners to navigate the varied options for protection against these risks.

We also assist businesses to set up corporate pensions, employee benefits and manage corporate investments.

Areas of Advice

Successful business owners often have an end goal in mind. We assist with exit strategies and work alongside the current network of professional advisers to tailor a financial solution that will make use of any tax benefits and meet clients’ longer-term financial needs. Where necessary, we use our network of partners and other specialists.

Key areas we can help business owners in include:

  • Protection against risks – shareholder protection, partnership protection, relevant life and key man insurance
  • Tax efficient wealth management
  • Retirement planning
  • Estate/inheritance tax (IHT) planning
  • Business exits benefitting from Entrepreneurs Relief and Business Property Relief
  • Commercial lending
  • Employee benefits