One Four Nine Wealth – Guide to financial planning for business owners
Beyond the success and growth of your business.
As a business owner or company director, financial planning goes beyond the success and growth of your business—it’s also about ensuring your personal financial security and preparing for your future. Navigating this complex financial landscape requires a tailored approach that considers your individual needs and business objectives.

Business owners and company directors face unique financial challenges and opportunities. Personal finances are closely intertwined with business performance, adding layers of complexity to financial planning. Effective financial planning in this context demands balancing extracting value from your business with securing your financial stability.
Before diving into the planning process, it’s crucial to understand the unique positions of business owners and directors. Your income may be variable, you might have significant funds tied up in the business, and your personal and business tax arrangements can be intricate. Additionally, your personal financial goals are often directly influenced by your business’s performance.
If you run a business with other shareholders or partners, what would happen if one of you were to die prematurely? Where will the shares go? Who will you be running the business with—your partner’s spouse, their children, or the state?
After dedicating years of your life to building a profitable business, it’s only natural to want to pass it on to someone who will take equal care of it, whether that’s a family member or a buyer. Have you made provisions for this and established a succession plan?
An estate plan accomplishes two important things: it ensures that someone you trust takes over your business when you’re no longer able to, or it details how the business should be wound down. Clearly outlining your wishes also simplifies matters for your loved ones, reducing disruption to their lives and your customers’ lives. What plans do you have in place for both scenarios?
Business Matters
As a business owner, you may well have complex finances. With such a focus on building and running a successful business, you may struggle to give your finances – particularly your personal finances – the attention they need.
Starting a business can be exhilarating and overwhelming all at once. It’s tempting to devote the lion’s share of time and effort to developing your product or service, hiring the right people and finding customers and clients. But it’s also important to focus on your business’s financial health.
While many aspects of corporate financial planning are similar to handling personal finances, there are some important differences.
Read our comprehensive 24-page guide to financial planning for business owners below.
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