We are hosting a day with Hilary Carden of Cardens. A top class IFA who we will have 2 sessions, a morning and afternoon so clients can come, listen and ask about retirement planning.

"Your Business, Your Future: Why Financial Planning is the Key to a Secure Retirement"

The aim is to help business owners understand that planning for their personal financial future is just as important as running their business.

As we both know, many assume their business is their retirement plan, but without a strategy in place, they may find it doesn’t provide the security they expect.

Here’s a rough structure:

1. Why business owners often neglect retirement planning – The common reasons, including being too busy, assuming the business will fund their retirement, or not structuring their finances tax-efficiently.

2. What retirement actually means for a business owner – Not just stopping work but having the freedom to choose how and when they step back.

3. The three key pillars of business owners’ retirement planning:

   • Building personal wealth outside the business – How to use pensions, ISAs, and other investments tax-efficiently.

   • Planning for a future exit (even if it’s not soon) – Making the business more ‘sellable’ and ensuring it can operate without them.

   • Tax-efficient strategies for taking money out – Getting the balance right between salary, dividends, and pension contributions.

4. Key takeaways and action steps – Encouraging them to start planning now and take small, practical steps to secure their future.