SJP Running your business
Our advisers are business owners themselves, so they understand the opportunities and focus required to run a business. They are also qualified to offer you both business and personal financial planning.
They know that, for many small business owners, personal and business goals are often linked. Whenever you need support, our advisers are by your side – from the earliest days at start up, to growing your business, through to converting all your hard work into wealth when you decide to exit.
Starting out
We'll provide you with simple, personalised, advice focusing on cash management, forward planning and goals - both for you and your business.
How we can help
Cashflow modelling and management
For start-ups cash flow is important, no matter how large or small your business is. Our advice can help you manage your cashflow tax efficiently and find finance when you need it.
Tax planning
We all want to pay the correct amount of tax; no more or less than we have to. We can help you make the most of the appropriate schemes, allowances and reliefs that could make a real difference in the long term.
Growing your business
We'll help you to minimise risk and maximise cash flow, invest to grow corporate assets, increase value and ensure employee wellbeing.
How we can help
Short term cash flow for your business
Cash is a really important part of your business finances and growth plans.
As a business owner, you will know the importance of having enough money on deposit to cover day-to-day costs.
Often, surplus made from successful trading, or unspent or uninvested profits will be left on deposit. This rainy-day money is a source of comfort to your business. It’s important to calculate day-to-day financial activity accurately. And your rainy-day fund must be able to cover any unexpected costs.
We can help you to invest anything left over tax-efficiently, with one eye on longer term financial security.
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.
Investing does not provide the security of capital associated with a deposit account with a bank or building society.
Managing cash flow in your business
Most small- or medium-sized businesses don’t have the luxury of a dedicated Finance Manager. Somebody who can move and manage your cash to help maximise your returns or manage bank credit risk.
In fact, finding the best interest rates, spotting opportunities, opening and closing multiple accounts could be a full-time job in itself.
Nonetheless, you want to make your cash work as hard as possible, without compromising security and accessibility.
We have a simple, innovative online solution. The SJP Cash Deposit Service Powered by Flagstone can help you manage your cashflow tax efficiently and find finance when you need it.
Please note that this is by way of a referral service and is separate and distinct to the services offered by St. James's Place.
Expanding your business
We'll help you to maximise growth and invest capital so your business will provide the money you need to live life to the full when you exit.
How we can help
Growing your business and its value
One of the key challenges you will face as a business owner is how you convert your hard work into personal wealth and financial security for you and your family.
Now is the time to optimise your business and its value and to start to plan so that when the time comes you can enjoy the lifestyle you’ve worked hard to achieve. This starts with benchmarking your business, understanding its value now and forecasting its growth, to maximise its value at exit*.
Your exit strategy
We'll help you optimise your business for sale and plan your retirement income so you can enjoy the lifestyle you've worked hard for.
For every business owner, it’s vital to plan in advance what happens to the business after you exit, especially if it will play a major part in your retirement income plans.
For most business owners, we recommend planning five years ahead. There are many different ways to exit a business and your specific exit strategy* will depend on you and your business. It’s important that you take advice from the appropriate professionals to navigate this process.
A good place to start is to benchmark your business against others in your industry.
We’ve developed a suite of benchmarking and evaluation tools to give you a full and fair evaluation of where your business stands in the marketplace. If you’re thinking about exiting your business* in the next five years, these will be vital for forward planning.
*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.
Want to learn a bit more about how we can help you at each stage? Download our digital guide.
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.
*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.
