Financial Planning

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Financial Planning for Business Owners


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Personalised Financial Planning for Business Owners & Entrepreneurs

As a business owner, having a comprehensive and process-driven financial plan is crucial, especially if you're the primary breadwinner in your family. Our experienced advisors at Danbro Financial Planning will help you define and refine your long-term objectives by harmonising your personal and business finances, so you can focus on what matters most.

The perfect match for your business ...

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Financial Planning
& Wealth Management


Mortgages
& Protection

Financial Planning & Wealth Management

Danbro Financial Planning’s Director and Independent Financial Advisor, Liam Winstanley, has decades of experience in helping business leaders like you to realise their financial ambitions.

Liam can provide advice and guidance on retirement planning, income protection and life insurance to ensure that you have the protection and plans in place to support you and your family now and through retirement.

Along with his team of specialists, they’ll work with you to create a personal financial plan that:

  • Paints a detailed picture of your financial position, income status and objectives with the goal of making your money go further.
  • Ascertains how much income you may be able to generate from existing and future assets. Clarifies what options you have for any spare funds in your company.
  • Helps you put together an ’employee style’ benefits package in a cost effective, tax efficient way.
  • Helps you practice careful budgeting, sensible spending and tax planning, making you more tax efficient – without jeopardising your compliance.
  • And, ultimately, gives you the security and peace of mind that you, your business, and your family deserve.

Mortgage Brokers for
Small Business Owners

Getting a mortgage as the owner of a limited company or public service company (PSC) is rarely straightforward. Not all advisers and lenders understand the way you work, and you’re often seen as a ‘higher-risk’ borrower – even if your finances suggest otherwise. You need a specialist mortgage advisor who knows how business owners operate and, crucially, how you get paid (dividends, shares, etc.).

Do You:

  • Own - or own shares in - a Limited Company?
  • Pay yourself via Dividends?
  • Have a Short Contracting (Under 24 Months' Accounts)?
  • Have defaults, arrears, missed payments, adverse credit, or CCJs against your name?

Are You:

  • A Self-Employed Sole Trader or Temporary Contract Worker?
  • A First Time Buyer?
  • A Buy-to-Let Landlord or SPV?
  • Re-Mortgaging, Making Home Improvements, or just looking for a better deal on your mortgage…?

Book a call with Danbro Financial Planning today and get to where you want to be at the pace that suits you! The team are perfectly placed to advise you on your mortgage options – regardless of how complex your circumstances may be. In fact, the more challenging the better!

“The Financial Conduct Authority does not regulate Buy-to-Let mortgages.
Your home may be repossessed if you do not keep up repayment on your mortgage.

Protecting You & Your Interests

Insurance can be just another headache as a business owner. From income and mortgage protection to life insurance and critical illness cover, it’s difficult to work out what level of protection you need. Not to mention, what exactly you need insuring for.

Unlike most comparison sites, Danbro Financial Planning will find the insurance and protection deals that are tailored to you; taking away the confusion and helping you buy with confidence. All the providers DFP deal with are reputable, accredited, and have met strict selection requirements. So, you can be sure you’ll get the best solution, with the best provider, at the best price for you.

Pensions &
Retirement Planning

As an entrepreneur, DFP understand how hard you’ve worked to build your company and nurture its growth. However close you may be to retirement, planning for it as a business leader presents a unique set of challenges and considerations. But by setting clear financial targets, understanding the value of your business, diversifying investments, maximising pension funds, and creating a comprehensive succession plan, you’ll be well on the way to securing the requisite funds you need for the retirement you want. DFP’s objective is to help you get there.

What’s more, when it comes to things like inheritance, will writing, and estate planning, they can help you build your plans, measure progression, and give you a much clearer idea of how and when you’re likely to meet your goals.

But by setting clear financial targets, understanding the value of your business, diversifying investments, maximising pension funds, and creating a comprehensive succession plan, you’ll be well on the way to securing the requisite funds you need for the retirement you want. DFP’s objective is to help you get there.

What’s more, when it comes to things like inheritance, will writing, and estate planning, they can help you build your plans, measure progression, and give you a much clearer idea of how and when you’re likely to meet your goals.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. The Financial Conduct Authority does not regulate will writing, inheritance, or estate planning.

Investments

When it comes to helping business owners with investments, the team at Danbro Financial Planning believe in a plan first, portfolio second approach; diversifying investments, minimising costs, and investing in line with an approved plan of action.

Liam and the team will look at any and all options available to build a successful investment portfolio that represents you and your business. What’s more, as independent advisors, they’re not beholden to any particular provider or fund manager, so you’ll benefit from a tailored investment strategy that’s built exclusively in your best interests.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. EIS, SEIS, BPR & VCT products are high risk products and not suitable for the majority of retail clients. You could lose the value of your investments.

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