BUSINESS PLANNING & EMPLOYEE BENEFITS
Strategic financial advice for business owners. From pension planning to protecting your business and reward strategies for your staff.
As a business owner or director, your personal wealth and business health are closely connected, decisions in one inevitably affect the other. At McCarthy Wealth Management, we help you bring both sides together into a clear, joined-up strategy.
We’ll work with you to structure your finances in a way that maximises growth, tax efficiency, and long-term protection, for both you and your company. That could mean extracting profits in the most effective way, building pension solutions for directors, or designing employee benefit packages that help you attract and retain great people.
Our role is to give you clarity and control: ensuring your business supports your personal goals, and your personal wealth strengthens your business resilience. With a smart, integrated approach, we help you balance reward with responsibility, building financial strategies that benefit you, your team, and the future you’re working hard to create.
WHAT YOU'LL GET
DIRECTOR PENSION STRATEGY
(Salary vs dividends contributions)
PROFIT EXTRACTION MODELLING
KEY PERSON INSURANCE & SHAREHOLDER PROTECTION
EMPLOYEE BENEFIT SCHEMES
(Group pension, group risk)
SUCCESSION PLANNING, EXIT STRATEGY, ESOPs
WHO'S IT FOR
- Directors seeking optimal extraction of profits
- Businesses wanting to attract and retain talent via benefits
- Business owners planning exit or generational handover
- Anyone wanting their business to contribute to their personal plan
FAQ'S
Frequently asked questions about Business Planning & Employee Benefits...
1. Can the business pay for my pension contributions?
Yes, structured properly, it can be very tax-efficient. We help balance salary vs dividends vs pension contributions within regulatory rules.
2. What is key person insurance?
It’s insurance protecting the business if a vital person (you or others) can’t work. It gives capital to help the business adapt, replace, or pivot.
3. Should I offer employee benefits?
Benefits (company pension, group life, group income protection) help attract and retain staff. We’ll help design packages aligned with your budget and goals.
4. How do I plan business succession or exit?
It starts with valuing your firm, planning tax-efficient sale or handover, and structuring ownership to reduce friction. We help map the path.
5. Are there tax risks?
Yes, directors’ contributions, benefits in kind, dividends, capital gains — all must be navigated carefully. That's why you don’t want to DIY.
“Good advice isn’t a one-off conversation - it’s an ongoing relationship.”
