Latest Podcast Episode 1 – The benefits of financial planning Duration 21 minutes Latest Podcast from Herbert and Webster

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Congratulations on being part of the unique and economically vital bunch of people that are small business owners.

We’re part of the unique gang too, back in 2010 Adam and Colin set up Herbert and Webster to help business owners just like you achieve their financial goals. Since then we’ve set out on a journey of financial freedom with hundreds of clients and we’d like to do the same for you…

But enough about us… Let’s talk about you.


It’s all about time – or the lack of it

If you’re like our small business owner clients, you put your heart and soul into making your venture a raging success so it’s only right you get out what you deserve: maximising your income in the process to take you to the financial security and wealth you craved when you first struck out on your own.

There’s no getting away from it, running your own business is hard work; we understand the day to day challenges businesses face from staffing and sales to cashflow and compliance.

Then there’s a ‘to do’ list which is as long as your arm, and whilst you know you should be doing more to secure your personal financial future and make the most of the income your business is providing, it just never gets to the top of the list… we can change that for you.


We are here to give you clarity…

Every great company has a business plan and goals but over the years we’ve found that not every great business owner has a clear personal financial plan.

That’s why we love working with small business owners, because we’re passionate about helping you secure your financial future by gaining complete clarity on your current and future financial situation.

Unlike ‘regular’ employees your income can change month to month depending on how the business is performing. This can leave you feeling like it’s too hard to start the process of putting a solid financial plan into place or maybe you’re piling all the profits back into the business with the intention of selling for a significant sum in the future.

It could also simply be that you don’t have the time or headspace to focus on weighing up all the investment options available…. That’s where we come in… from unbiased analysis we can make recommendations and provide a full illustration of how the chosen route will help you achieve your ultimate financial goal.


Whether you’re looking to:

  • Ensure you’re maximising your tax allowances every year
  • Start investing for your financial future
  • Protect your business and family if the worst should happen
  • Sell your business for a considerable sum
  • Retire early with residual income from your business
  • Plan for the sale of your business

Whatever stage of business you’re at our team will take the time to understand your current business and personal situations and then develop a personalised financial plan so you know every month you’ll be moving towards your goals.

Why choose us?

We have two questions for you…

How confident are you in your financial future?
Do you have a clear plan of action to achieve your personal goals?

So what makes us different?

We offer much more than just the right investments; we can give you the confidence that your financial goals are within reach and set out a clear financial strategy to get you there.

We don’t talk in terms of products; we focus on your individual requirements to develop a tailored personal strategy, which we feel makes us unique and unlike most other financial advisers.

Without going into all the nitty gritty stuff, we’re independent and directly authorised by the Financial Conduct Authority which means we provide impartial and unrestricted advice based on a comprehensive and objective analysis of the market. We are free from any limitations that could affect an advisers’ ability to recommend what is best for you.

Basically, we’re open, honest, knowledgeable and transparent…

Here’s what makes us different:

We’re are a Chartered firm of Independent Financial Planners, directly authorised by the FCA

  • We’re free from any restrictions that could affect our ability to recommend what is best for you
  • We have a friendly, knowledgeable, dynamic and easy-going team of advisers
  • We’ll stay on top of your investments to keep you on track with annual reviews
  • Cashflow planning is included as standard for every client
Holistic financial planning service

Our holistic financial planning service looks at standard investments such as business and private pensions, ISAs and bonds as well as more specific requirements such as relevant life, key man and critical illness cover policies to secure your business and family futures, plus we’ll also perform a brief analysis of your business, as after all, this is your biggest investment of both time and money.

You’ll also benefit from our cashflow planning service…

We’ll illustrate how realistic and achievable your financial goals are on your current path…

…and the most exciting part…

…the financial strategy we recommend to help you achieve your financial dreams.

Guardian

Our unique Guardian service gives you access to our panel of trusted advisers of accountants and solicitors meaning when we reach the limit of our professional capabilities we can collaborate with a specialist adviser to ensure you’re getting the correct personal advice. We even contribute up to 10% of our annual ongoing advice fee towards the cost of external advisers.

Here’s an example of how Guardian can make your life easier with our pro-active approach:

We’ll contact your accountant prior to your tax year end to review how your business has performed and arrange an annual review to discuss your investment options… essentially we’ll come to you with suggestions having looked at all the facts which makes your decision making process much easier and quicker, leaving you to focus on running your business.

What next?

Thanks for sticking with us this far. It looks like we’re on the same wavelength, so complete the form below or call us on 01865 407755 to arrange a free initial consultation; you can come to us or we can come to you at home or work. We’re happy to arrange out of hours appointments to fit around your busy schedule.

Need some more information?

Take a look at our personal financial planning service for a complete overview of our financial planning service.

Get in touch with us today