Our Services

Financial Planning For Business Owners

Your business is your engine — but your personal wealth is the destination. Smart planning helps you extract value, exit on your terms, and build a lasting legacy.

Estate & Inheritance Tax Planning

Without planning, 40% of your estate could go to HMRC instead of your family. Smart strategies help you pass on more, with less tax and fewer headaches.

Retirement Planning

A comfortable retirement doesn’t happen by accident. Strategic planning helps you build the income you need for the life you want, when you want it.

Protection

One illness or accident could derail everything. Life Insurance ensures your family and business stay secure, no matter what life throws at you.

Financial Planning for Business Owners

Build. Grow. Protect. Extract.

As a business owner, your personal wealth is often deeply tied to your company’s performance. At Caldwell Financial, we help you strategically separate and grow your personal wealth, using your business as the launchpad.

Whether you’re building long-term financial independence or preparing for a future business sale, we offer tailored advice across:

• Pensions – extract profits tax-efficiently with employer contributions

• Venture Capital Trusts (VCTs)* – higher-risk, higher-reward investments with 30% income tax relief

• Relevant Life Insurance – protect your family tax-efficiently via your limited company

• Key Person & Shareholder Protection – safeguard business continuity

• ISAs, GIAs & Bonds – tax-efficient personal investment wrappers

• Corporate Investment Accounts – put surplus company cash to work

We help you balance wealth creation during your working life with a clear plan to extract value and prepare for an eventual exit—without over-relying on your business sale to fund your future.

*Venture Capital Trusts (VCT) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Estate & Inheritance Tax Planning

Preserve More. Pass On Wisely.

Without careful planning, your estate could lose 40% to inheritance tax. At Caldwell Financial, we help successful families pass on wealth efficiently and intentionally.

We advise on proven strategies such as:

• Trusts – Absolute, Discretionary & Bare Trusts, using the 7-year rule to plan ahead

• Potentially Exempt Transfers (PETs) – structured lifetime gifting with a clear tax timeline

• Business Relief Solutions* – such as AIM portfolios that qualify after just 2 years

• Gifts from Excess Income – use your surplus income for tax-free legacy gifting

• Whole of Life Insurance – provide your beneficiaries with IHT-ready liquidity

• Gift-Inter-Vivos Insurance – protect against IHT if you don’t survive 7 years

With the right mix of tools, we help you protect your estate, reduce inheritance tax, and pass on your values—alongside your wealth.

*Business Property Relief Schemes (BPR): Alternative Investment Market (AIM) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Inheritance Tax/Estate Planning and Trusts are not regulated by the Financial Conduct Authority.

Retirement Planning

Design Your Retirement, Don’t Drift Into It.

Retirement shouldn’t be left to chance. Whether you dream of early retirement, part-time work, or a more comfortable lifestyle in later years, having a clear plan makes all the difference.

At Caldwell Financial, we help individuals and families:

• Clarify their retirement goals and lifestyle expectations

• Build tax-efficient pension strategies tailored to their earnings and risk appetite

• Consolidate old pensions to reduce fees, improve investment options and visibility

• Revive frozen or forgotten pensions, giving dormant pots a new purpose

• Plan withdrawals to make retirement income last, and reduce unnecessary tax

• Review progress regularly, adjusting for life changes or market shifts

Whether you’re in your 30s or approaching retirement, the sooner you start planning, the more freedom you’ll have later. Your future lifestyle deserves more than guesswork.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Protection

Protect Your Family from the Unexpected.

If something happened to you tomorrow, would your loved ones be financially secure? Protection insurance isn’t about fear—it’s about giving your family the stability they deserve, no matter what life throws your way.

We provide tailored guidance on:

• Life Insurance – to cover debts, mortgages or family income

• Critical Illness Cover – a lump sum on diagnosis of major illness

• Income Protection – a monthly income if illness or injury stops you working

• Family Income Benefit – regular payments to replace lost income

• Whole of Life Cover – lifelong protection that can also support estate planning

Whether you’re raising children, supporting a partner, or planning for future generations, we’ll help you choose the right policies for peace of mind.

It’s not just insurance. It’s security for those you care about most.