✦FOR WOMEN RUNNING THEIR OWN BUSINESS
A few decisions now could save you thousands later on. Most founders leave their personal finances on the back-burner. This is your chance to set yourself up for success.
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Protection review
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Pension strategy
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BADR & EMI pointers
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How to pay yourself tax efficiently
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Mortgage advice
Takes 2 minutes to book. Experienced female financial advisers.
✦ FINANCIAL DECISIONS DON'T COME WITH A WARNING LABEL
Running a business teaches you a lot, fast. But there's a set of financial decisions that you shouldn't neglect.
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Have you replaced the cover you lost when you left employment, such as death in service, sick pay, and your employer paying into your pension?
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Is your pension keeping pace, even though your income may move around?
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Are you and the business protected if something happens to you?
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Are lenders making it harder than it should be to get a mortgage, now you're self-employed?
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Are you set up to keep more of what you've built, when you eventually sell?
None of it is complicated once someone's walked you through it. Most founders just never get the half hour.
✦ Who we help and how
From your first day working for yourself to the day you sell and beyond, here's what a female adviser can help you sort, and when.
You've just left the safety net of employment behind, and most of it doesn't replace itself.
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replacing the cover you lost: death in service, sick pay, employer pension contributions
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income protection, now there's no sick pay behind you
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relevant life cover, paid for by the business
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a cash buffer sized for income that arrives in lumps
The business is running. Now to build around income that moves around.
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a pension you can pay more into in the good months, less in the lean ones
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the self-employed mortgage, or remortgage, that lenders make harder than it needs to be
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protection reviews as life changes: a partner, children, a bigger mortgage
Your first hires arrive, and the business starts to depend on more than just you.
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key person cover, if losing you or a key hire would hurt the business
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setting up a workplace pension scheme as staff come on
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employee benefits that help you keep good people
Profit is real, your income is higher, and the tax questions get sharper.
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pension contributions as the lever on the tax traps that hit higher earners
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shareholder protection, so co-founders can buy out a departing stake and the family gets paid
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spreading your wealth beyond the business, so it isn't all in one place
The idea of selling moves from someday to a real plan.
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working out the number you actually need from a sale to be secure
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Business Asset Disposal Relief, which has to be set up years ahead, not on the way out
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EMI share schemes to reward the people who got you here
The deal completes, and the question becomes what now.
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what to do with a lump sum, without being sold the wrong thing
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income planning for whatever comes next
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estate and inheritance planning once the wealth is real
Not sure which stage you're in, or what to deal with first? That's what the free introductory call is for. We work out where you are, what matters now, and build the start of a plan together.
Book your free introductory call✦ INTRODUCING
01
We look at life insurance, critical illness cover and income protection, recommended only where it suits you and your business, and help you understand what you need to prepare to get a mortgage as a founder or self-employed.
02
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Pension review and consolidation
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Tax-efficient income: salary, dividends and more
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Mortgage review
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Investing surplus cash: ISAs, GIAs and what you need to know
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Business Asset Disposal Relief (BADR) and EMI share schemes
Full financial plan & recommendations
Walk away with a solid financial plan for your personal finances as you navigate business life as a founder.
03
Two more sessions with Lizzie to keep everything on track as the business, and your income, changes.
04
Ask Elle any question, any time. Your score keeps you on track, your vault stores your will, policies and plan, and Welleness helpers are on WhatsApp for anything else, plus an annual review to see what's changed as the business grows.
✦ PACKAGE COST
If after your free introductory call you decide the female founders package is for you, it costs £250 for the advice and your plan. You are welcome to spread the payment over 3-6 months to make it more affordable, should you wish. The protection work is arranged where you need it and funded by commission, so it's at no cost to you.
✦WHAT HAPPENS NEXT
1
Pick a time that works around your business, to see if this plan is the right fit for you.
2
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Protection
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Pension
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Tax-efficient income
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Mortgage
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Exit planning: BADR and EMI
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Lizzie puts any protection in place, and talks you through anything you need to sign.
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To keep your plan on track as the business changes, with Elle on hand in between.
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If investing, your pension, or planning your exit becomes the priority, we are here to help.
✦ COMMON QUESTIONS
Yes. No charge, no obligation, and no card details to book it.
No. Lizzie's job on the call is to work out what you need. If protection is your only gap, that's all you'll be advised on, and that part's free.
No. Some of the most useful things sit right at the start, like replacing the cover you lost when you left employment and getting protection in place. Wherever you are on the timeline above, there's something worth doing.
No. There's no minimum salary or asset level for this package.
No. That's what the call's for.
✦GET STARTED
Around twenty minutes, no pressure, and you'll leave knowing where you stand and what to sort first.
Free, no obligation, and available at a time that works around your business.