Business Owners
Straight talking financial advice for you, and your business
Running a business is full-on. Between managing your team, looking after clients, and keeping the numbers in check, your own finances often take a back seat.
We’re here to change that — helping you make smarter decisions with your money, both inside and outside the business. Whether it’s tax, pensions or planning for the future, we’ll help you take control and make it all work harder.
The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Why do business owners need financial advice?
Your business and personal finances are closely tied together so you need a plan that connects the dots.
From working out how best to pay yourself, converting business wealth into personal wealth to planning for exit, we help business owners make confident decisions that support your goals now, and down the line.
Please note that advice with regard to exit strategy planning may involve the referral to a service that is separate and distinct to those offered by St. James's Place.
Helping you plan for what’s next
Some of the typical things we help business owners with:
Taking money out tax-efficiently
Salary, dividends or both? We’ll help you strike the right balance.
Pensions for business owners
Build your retirement savings while cutting down your corporation tax bill.
Business protection
Make sure your business can keep going if something unexpected happens, with cover for you, key people, and shareholders.
Cashflow planning
Know how much to keep in the business, how much to take home, and how to plan for growth.
Exit and succession planning*
When the time is right to step back, we’ll help you make the most of the value you’ve built.
Personal financial planning
From mortgages to investments, we’ll help you look after your own money, not just the business.
Staff benefits
Help attract and keep great people with thoughtful benefit schemes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Advice that fits your goals
You’ve worked hard to build your business. Our job is to help you protect it, grow it, and make sure it supports the life you want, now and in the future.
No jargon. Just a clear plan that works for your business and your life.
Why Luma?
A joined-up plan
A joined-up financial plan across business and life.
Holistic advice
Support with tax, retirement, protection, planning and more.
Clear, confident advice
Clear, confident advice that evolves as your business does.
Someone who gets you
Someone in your corner who gets the pressures of running a business.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
