Business and corporate

Financial Planning for Business Owners

Financial advice to support business owners through every stage of their journey.

Running and growing a successful business involves making many financial decisions and spinning lots of plates. This can mean that your personal finances are often down the long list of priorities.

We help business owners become more financially confident, helping you navigate the challenges of business ownership so that you can make sound decisions that will benefit you and your company in the long run.

Our Financial Advisers will work with you to understand your financial goals and objectives and create a bespoke plan that is structured to help you deliver the most tax-efficient return for your business, your personal wealth, and your legacy. And when the time is right, we’ll help you build a successful exit strategy* or succession plan that delivers the best result for you and your business.

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Supporting business owners across Derby, Nottingham, East Midlands and further afield

SJP’s Entrepreneur Club* is designed to provide you with advice and support to help maximise the growth and valuation of your business – whatever stage you’re at.

Once registered, you will benefit from free informative content that is tailored to you and your business.

If you want to take things one step further, you can work closely with a network of experienced business advisors and coaches to identify the actions you need to take to help achieve your growth aspirations and structure these into a coherent and concise plan.

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Complete our FREE Benchmark Diagnostic tool to help you value your business and compare it to others in your sector.

* The services provided by these specialists are separate and distinct to the services provided by St. James’s Place and include advice on how to grow your business and prepare your business for exit and sale.

It is paramount to start taking advice well in advance of selling your business. You need to start building a relationship with someone now so that when you sell you have 100% trust in them to be the right person to mange your precious sales proceeds.

You may also need pre-sale advice on what to do with excess cash in the business and if some shares should be gifted to individuals or trusts prior to the event for tax reasons.

What’s your magic number? Do you actually know what you need to sell your business for so that you and any other shareholders are able to do everything that you want for the rest of your lives and leave the legacy that you want to? With some detailed cash flow modelling we can help you work out the gap between what you have accumulated to date and what you really need to sell the business for.

At some point, you will want to start thinking about transitioning to retirement, or maybe you want to extract value from your business. This might mean reducing the amount of time spent with the business, selling the business over to an existing partner, or perhaps even selling the business.

We work with business owners well in advance of a sale or handover to understand your personal objectives and what you want to achieve with the money.

Having a well-thought-out exit strategy could increase your sale price, while ensuring the business continues to thrive in the lead up to the sale, and beyond.

Whether you want to mentor the next generation, start a new company, or prepare for retirement, we’ll ensure that the future direction of your business is defined and planned to allow you to enjoy the benefits.

*Business exit strategies may involve referral to a third-party organisation that is separate and distinct from St. James’s Place.

SJP Cash Deposit Service powered by Flagstone allows business owners to manage your cash confidently and flexibly online.

Please note that this service is separate and distinct to those offered by St. James’s Place.

Business protection helps to safeguard your business should a director, shareholder or key employee suffer a critical illness or dies. Having this financial protection in place is vital in allowing your business to recover quickly and minimise the impact should the worst happen.

Our financial advisers will review all potential scenarios to ensure you have the right protection in place to keep you and your business thriving.


In the unfortunate circumstance that a shareholder becomes critically ill or passes on, a shareholder protection arrangement allows business owners to buy shares back from a co-shareholder who is diagnosed with a critical or terminal illness or dies. This policy helps surviving owners stay in control and minimises disruption to the business.

Dealing with ownership issues in a company can be difficult in the event of death or illness, but a Shareholder arrangement helps to alleviate any disagreement or stress and helps protect the business and its shareholders. It also brings a level of reassurance to the deceased shareholder’s family.

The success of your business is often dependent on attracting and retaining the right talent so you can deliver the best results for its customers. Offering an attractive employee benefit package is key to helping you attract the right employees and retain a happy and motivated workforce.

These benefits might include saving for retirement, paying for private healthcare, offering tax-free childcare vouchers and protection planning.

We work with business owners to create an enriching employee benefits package that shows them you are invested in the future of their overall health, wellbeing and wealth.

The value of an investment 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.

*Exit strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.

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A financial service to suit every need possible...

We provide face-to-face financial advice to our clients.

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Giving you the opportunity to review your financial affairs regularly.

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Managing your investments proactively, with your needs in mind.

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Exploring new opportunities with you.

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Planning for the future appropriately helps to preserve your estate and pass it to those closest to you.

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Protecting those closest to you with estate planning.

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Putting you and your family first…

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Our financial advisers, based in Derby can assist you with every avenue of financial planning. Get in touch to find out more.



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