Business owners
Financial advisors for business owners in Newmarket, Suffolk
Running a successful business doesn’t automatically translate into personal financial security — and without a clear plan, much of your wealth can remain tied up in the business itself. At DG Financial, we help business owners connect their commercial success with their long-term personal goals, creating a structured strategy that builds wealth both inside and outside the business. Whether you’re looking to improve tax efficiency, plan for retirement, or consider an eventual exit, we provide clarity on what the future can look like.
We typically help clients to:
-
Extract income and profits in a more tax-efficient way
-
Build wealth outside of the business over time
-
Strengthen pension provision and long-term planning
-
Understand their options for stepping back or exiting
Where appropriate, we structure a combination of income, dividends and pension contributions to reduce unnecessary tax and create a more balanced financial position. Our approach ensures your future isn’t solely reliant on the business, giving you greater flexibility, control and confidence.
Financial Planning for Pensions, Retirement & Estates
Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Pensions
We help you select the right scheme for you depending on your needs and objectives. You may wish to invest in a particular asset class or simply to maximise tax-free cash and deliver the pension income you want.
Retirement Planning
Retirement can mean many different things for different people. We work with you to create a plan to fund your retirement, that is designed to cater for your desired lifestyle.
Investments
Lorem ipsum dolor sit amet, consectetur adipiscing elit. In sem sem, eleifend at arcu id, mattis eleifend dui. Praesent porttitor tortor a massa condimentum commodo.
Estate Planning
Lorem ipsum dolor sit amet, consectetur adipiscing elit. In sem sem, eleifend at arcu id, mattis eleifend dui. Praesent porttitor tortor a massa condimentum commodo.
Long-Term Care Planning
Lorem ipsum dolor sit amet, consectetur adipiscing elit. In sem sem, eleifend at arcu id, mattis eleifend dui. Praesent porttitor tortor a massa condimentum commodo.
Saving for Children
Lorem ipsum dolor sit amet, consectetur adipiscing elit. In sem sem, eleifend at arcu id, mattis eleifend dui. Praesent porttitor tortor a massa condimentum commodo.
For Business Owners
Lorem ipsum dolor sit amet, consectetur adipiscing elit. In sem sem, eleifend at arcu id, mattis eleifend dui. Praesent porttitor tortor a massa condimentum commodo.
Explore our other services
Case study
Chris (52), owner of a successful SME, approached DG Financial after years of focusing almost entirely on growing his business.
While the business was thriving, much of his personal wealth was tied up within it, and he had very little structured planning outside of the company.
Like many business owners, Chris had prioritised reinvesting profits back into the business rather than building a clear personal financial plan.
This created several challenges:
-
a heavy reliance on the business for future financial security
-
limited pension provision compared to his income level
-
no clear strategy for extracting profits tax-efficiently
-
uncertainty around how and when he could eventually step back or exit
-
concerns about what would happen if circumstances changed unexpectedly
Despite being financially successful on paper, Chris lacked clarity on how that success would translate into long-term personal security.
-
We worked closely with Chris to build a strategy that connected his business success with his personal financial goals.
1. Understanding the bigger picture
We began by reviewing both his business and personal finances together — something often overlooked. This allowed us to identify gaps and opportunities across the whole of his financial position.
2. Building a tax-efficient extraction strategy
We created a structured plan for taking income and profits from the business in a more efficient way, helping Chris:-
balance salary, dividends and pension contributions
-
reduce unnecessary tax leakage
-
build wealth outside of the business over time
3. Pension and long-term planning
We introduced a pension strategy aligned with his earnings, allowing him to make significant contributions in a tax-efficient manner while starting to build a meaningful retirement fund.
4. Diversifying personal wealth
A key priority was reducing reliance on the business alone. We helped Chris begin investing outside of the company, creating a separate pool of assets that could support him in the future regardless of business performance.
5. Exit and future planning
We also started to map out potential long-term scenarios, including stepping back from day-to-day involvement or eventually exiting the business, so that decisions made today supported those future goals.-
With a clear strategy in place, Chris was able to:
-
build substantial wealth outside of his business
-
significantly improve tax efficiency on income and profits
-
gain clarity on what “enough” looks like for his future
-
begin planning for a potential exit on his own terms
-
feel more secure knowing his financial future was not solely dependent on the business
Most importantly, he moved from being business-rich but plan-poor to having a structured, forward-looking financial strategy.
-
Business owners often spend years building successful companies but don’t always take the time to translate that success into personal financial security.
At DG Financial, we help business owners:
-
extract profits in a tax-efficient way
-
build wealth beyond the business
-
create clear retirement and exit strategies
-
align business success with long-term personal goals
-