Lucent Financial Planning

t Lucent Financial Planning, we don’t just help people with their private finances; we can also bring real value to business owners and their company finances.

In our experience, business owners are some of the most interesting people we speak to, as the passion for what they do is contagious! Whatever the business, we love learning about something new, from someone who lives and breathes it.

And although we may know very little about their business when we first meet, we do know that we will likely be able to help them. We often find business finance to be an area where people struggle – after all their passion and skill is in the business itself, but the financial element is an inevitable part.

So, we take care of the finances, and our clients can keep being great at what they’re best at. As soon as you start generating profits from your business there is one person first in line ready to take a share… the taxman. Corporation tax and dividend tax can take a serious amount of money out of a business before you can take any for yourself.

Now we’re not saying anyone should avoid paying taxes, as they pay for important services that we all use. Paying your fair share is fine, but paying over the odds? That is where proper planning can help.

So what can you do? First stop… Pensions! Okay, that may not be the most exciting answer, but it’s a simple solution that brings real benefits.

Taking care of business

You can contribute directly from a business into a personal pension, and it counts as a business expense, so you don’t pay corporation tax or dividend tax on those contributions. Fantastic! Sadly, we find lots of business owners aren’t using pensions to their full advantage – perhaps unaware of the many benefits, or confused about how they work.

Also, pensions can be boring, scary, even overwhelming, can’t they?

Well that is where we really add value to our clients, whether we are helping with their business or personal finances. We remove the confusion and mystery that surrounds many financial tools, and help clients understand the benefits for their own individual situation. Some clients have saved tens of thousands with our help.

The best thing is, that money then goes towards the important things in life. Maybe you want to give money to your children, retire early, buy your dream house, travel the world… it’s different for everyone. Helping people achieve their individual goals is why we do what we do.

If you’d like a free, no-obligation meeting with one of our fabulous advisers, just drop us a line

0121 705 1000 info@lucentfinancialplanning.co.uk

and see how we could help you achieve your business and personal goals.

Lucent Financial Planning is authorised and regulated by the Financial Conduct Authority – number 945107. Registered in England and Wales at 1B The Exchange, 20A Poplar Road, Solihull B91 3AB – number 08191924.