Business Risk Analysis
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Ownership
We examine the current structure of the Business and whether the death of a shareholder or partner could result in ownership concerns or other detrimental developments.

Profit
Many Businesses are unaware of the actions required to properly assess business risk and to secure their profits against the loss of business critical individuals. We will fully asses the importance of your Key People in relation to your ongoing profit and demonstrate how best to protect against any risks.

Debt
32% of all UK Businesses carry some form of debt. However, less than half have taken steps to protect their debt. The implications to any Business of not to being able to service its corporate debt could be significant. More worryingly, the proliferation of personal guarantees mean that many Business owners are personally responsible for their Business's debt. We will look at your existing and any new lending to ensure it would be protected in the event of the loss of a key Business owner.
  Business Risk Analysis
Finance Planning's Business Advisers are experienced in helping business owners design and implement strategies that help secure the future of the firms. Finance Planning will run your business through a full human capital and ownership risk analysis designed to gauge how well your business would cope with any significant human capital stresses.

Over 55% of Businesses have no plans in place to deal with the death of a Business owner and 35% of Businesses believe they could survive for no longer than one year following the death of a Key Person. Let Finance Planning work with you to ensure your Business has strong succession plans in place.

Following the initial fact-find, Finance Planning may recommend a number of solutions or strategies to you and your Business. All of our Business Advisers have many years of experience and are fully qualified and registered with the Financial Services Authority, so you can be confident in their advice. Should you choose to implement the recommendations of Finance Planning's Business Advisers, they will be executed in as tax efficient manner as is possible and the Advisers will be happy to work with your other professional adviser to facilitate this.

YES
NO
Do you have any key individuals who contribute heavily to profits?
Does the business have any unprotected loans or debts?
Would you want your estate to receive the value of your share in the business in the event of your death?
If a fellow business owner died, would you want to retain total control of
the business?
In the event of the death or critical illness of a key person or business owner could a cash injection help secure your future?

Call us on 01444 449200 for more information on the benefits and limitations of business protection and how your business could benefit from this this cover.
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