Your business may be one of your most valuable assets, but it is only one part of your wider financial life.

At Rowley Turton, we help business owners bring together their business, personal wealth, pensions, investments, retirement plans and family objectives so they can make better-informed decisions about the future.

Whether you are still building your business, starting to think about an eventual exit, or have already sold, good financial planning can help you understand what you have, what you need and what your options are.

Our role is to help you turn the wealth you build through your business into long-term personal financial security.

Thinking about your financial future?

Whether you’re still building your business, considering an eventual exit or already planning life after it, an initial conversation can help you understand where you stand and what your options might be.

Arrange an initial conversation

We can help you with:

• Building personal wealth alongside your business
• Retirement and long-term cashflow planning
• Preparing financially for a business sale or exit
• Understanding how much you may need from the business
• Investing proceeds following a sale
• Pension and investment planning
• Inheritance and estate planning
• Passing wealth to children or grandchildren
• Bringing your business and personal financial plans together

For many business owners, one of the biggest questions is not simply “What is my business worth?” but:

“How much is enough for me to step away?”

That answer will be different for everyone.

We use long-term financial planning and cashflow modelling to help you understand what your future could look like under different scenarios, including retiring earlier, reducing your involvement in the business, selling at different values, helping family members or changing how much you spend.

Planning before you sell

The best time to start planning for a business exit is often before the sale itself.

Understanding your personal financial position in advance can help you make clearer decisions about:

• The level of proceeds you may need
• When you could realistically afford to retire
• How much personal wealth you already have outside the business
• How sale proceeds could be invested
• Your future income requirements
• Tax and estate planning considerations
• How much wealth you may eventually want to pass on

This can help ensure that the eventual sale of the business supports the life you want to lead afterwards, rather than simply creating a new set of financial decisions.

Life after the business

Selling a business can be a major financial milestone, but it can also be a significant personal change.

For perhaps the first time, your financial security may depend less on the business you built and more on how your accumulated wealth is structured and managed.

We can help you create a long-term plan for your investments, retirement income, spending, family wealth and estate, while keeping enough flexibility for the future.

Ready to talk about what comes next?

Arrange an initial conversation

Prefer to read first?

Request a complimentary copy of 50 Today 100 Tomorrow, written by Rowley Turton director and Chartered Financial Planner Scott Gallacher.

The book explores some of the bigger questions behind retirement and financial independence — including knowing when you have enough, what you want life after work to look like, and how to make the most of the years ahead.

Email us for your complimentary copy →