Business financial advice

Employee pension planning

We are experts in all aspects of employee pension schemes, including group stakeholder or group personnel pensions. We’ll work with you to carry out a comprehensive review of the options available before identifying the ones that best fit your current and future business plans.

Executive pensions

It’s often the case that the influence and investment that partners and directors hold in a business leads to substantial tax planning opportunities. We’re experienced in delivering innovative and tax efficient solutions to businesses, often in partnership with other professional and specialist advisers.

Shareholder, partnership and keyman protection

The premature death or illness of a director, shareholder or other key company employee can have serious consequences for your business. Life assurance and critical illness protection is a way of ensuring that, should this happen, the remaining key members have sufficient funds available to purchase the outstanding shares or equity.

This also enables suitable compensation to be provided for any dependents and allows the business to continue to run smoothly.

Employee benefit planning

Every business will experience the loss of personnel through ill health, sometimes permanently, but a well structured employee benefits package can offer valuable protection to both employers and employees.

We can help you plan against ill health, injury, serious illness, medical expenses and death, and it’s widely accepted that good employee benefit packages can also help to attract and retain quality personnel.

Wealth management for directors and key personnel

We can advise directors and senior executives on the best investment and financial programmes to meet their personal financial objectives and goals. Also, to assist your employees during retirement or redundancy we conduct seminars that offer advice on how best to manage their financial matters.

Exit planning

Our close links with accountancy professionals enable us to advise businesses and individuals on effective ways of realising the valuable asset that has been built within their operations. This includes issues such as tax planning on the sale of a business, advice on managing buyouts and other exit strategies.

Financial advice for trust and probate clients

We can assist trust and probate departments with bespoke financial advice for their clients. As independent financial advisers we provide impartial advice enabling clients to make informed decisions on the full range of financial products.

How we can help

At E.m.l. we always strive to provide clearly explained advice, transparency of costs and a professional service. We can add real value to your business by giving you honest and impartial guidance on any financial issues you may have.

The Financial Services Authority does not regulate taxation advice.