Financial planning for business owners and entrepreneurs

Wealth that works for you

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Introduction

For many owners, business is personal.

A business isn’t simply an asset. It’s a source of purpose, of security. For many owners, it’s the foundation of their family’s future.

But a thriving business doesn’t mean a thriving life – not when your wealth is tied up and your time isn’t your own.

At Richmonde Laine, we support business owners and entrepreneurs with integrated wealth management. From pensions and investments to exit planning and retirement, we make sure the wealth within your business supports your life beyond it.

Find your freedom

Challenges for business owners

Lost track of what you’re working for?

  • No headspace

    Little time to think beyond the day-to-day demands

  • Tied-up wealth

    Too much personal wealth locked in the business

  • Overpaying tax

    Using salary, pensions and dividends inefficiently

  • Undefined exit

    No clear idea how you’ll step back from work

  • No strategy

    Pensions, investments, exit and retirement not integrated

How we help

Taking space to breathe pays dividends.

We give founders and entrepreneurs space to think: how do you really want your business to shape your life?

How much wealth can you take from your business today, without compromising long-term growth? How will you know when it’s the right time to sell, to set your family up as best you can for the future?

Understanding these things, we can structure your wealth in a way that gives you confidence, control, and choice about what you do inside and outside of your business.

A joined-up approach for entrepreneurs

Connecting business goals with life goals

When you’re a business founder, you don’t think about the different parts of your business plan in isolation. You make sure they work seamlessly together.

Which is exactly what we do with your wealth. Integrating everything from director pensions to retirement planning, we bring all parts of your financial life in one clear, forward-looking strategy. So, your business can work as hard as possible for you – not the other way around.

  • Purpose & objectives

    Defining how your business and wealth can support your life

  • Tax-efficient income

    Keeping more of your salary, dividends, pensions and benefits

  • Wealth extraction

    Releasing business wealth, to achieve personal freedom

  • Cash management

    Putting surplus cash to work, balancing liquidity and risk

  • Investment planning

    Investing with discipline and efficiency, in business and life

  • Shareholder protection

    Being prepared in the event of death, illness, disruption

  • Exit planning

    Proactively anticipating sale, succession or retirement

  • Retirement planning

    Building confidence about life beyond the business

Understanding business owners

We get it. We’re entrepreneurs too.

Entrepreneurs put everything into their business. We’re here to help you get more out.

Marcus Hamblin

Chartered Financial Planner

Meet Marcus

Why we're different

  • Personal touch

    Your plan is bespoke, individually tailored to the questions you most need to answer.

  • Long term mindset

    We think in decades, not quarters, guiding you from one economic season to the next.

  • True partnership

    By acting with integrity, we build lasting, trusted relationships with our clients.

  • People who care

    We care deeply – not just about the numbers, but how it feels to work with us.

  • Independent advice

    As an independent firm, we offer advice based purely on what’s best for you.

  • Technical excellence

    With industry-leading technologies and team, we set the highest standards.

Integrated financial planning

Working as one

Investments, tax, director pensions, shareholder protection, exit preparation and retirement planning – these all influence one another. At Richmonde Laine, we bring them together in such a way that they become more than the sum of their parts.

Connected strategy

Connected strategy

Objective setting

Be clear about where your wealth is right now – and where you want to be.

Investment planning

Build a portfolio that matches your goals, needs, risk profile and timeframe.

Tax planning

Get the best from your hard-earned income, investments and assets.

Cashflow modelling

Visualise and stress-test how your wealth might evolve with different decisions.

Protection

Safeguard your business, your lifestyle and your loved ones for when the world throws curveballs.

Retirement planning

Know what "enough" looks like - and start planning for an exciting new chapter

Estate planning

Enjoy your wealth now, and leave loved ones a legacy when the time comes.

Testimonials

Satisfied clients? Take their word for it.

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    John Smith

  • As long term clients we have experienced exceptional planning, guidance and service from this excellent firm for more than 20 years.

    Michael Howard-Kyan

    CEO, Spargo Engineering

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    Hugo Fyrst

    CFO, ACME Ltd.

The Richmonde Laine approach

Putting you first

By beginning with your questions – however emotional, difficult, half-formed – we help you reach the right answers.

  • Meeting you

    We meet you to learn about your life and priorities. We also share a bit about what we do, to make sure we’re the right fit for you.

  • Mapping your wealth

    We review everything from your income sources to investments, exploring where you are now and where you want to be in future.

  • Making a plan

    We create a joined-up, forward-looking strategy. Since we’re independent, it will feature only those solutions we believe are truly right for you.

  • Managing the process

    Once you’re happy, we handle everything from provider transfers to pension restructuring, leaving your wealth organised and clear.

  • Staying on track

    We meet you regularly to review and adapt your position, based on any changes in markets, legislation, and life priorities.

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Ready to achieve your goals, in business and in life?
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Frequently asked questions

Get things straight

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