Financial Planning for Business Owners
Running a business means juggling countless responsibilities—cash flow, taxes, growth strategies—and that’s before you even think about your personal financial future. At Transform, we help you align your business success with your personal wealth goals, giving you the clarity and confidence to move forward. Scroll down to find out more.
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of our clients think that working with us has helped or will help them achieve their financial goals.
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of our clients said they were satisfied that we understand their needs, objectives and goals.
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of our clients would recommend us to their friends or family – and all said they have done so already!
Why Financial Planning Matters for Business Owners
As a business owner, your personal and professional finances are tightly linked. Without a coordinated strategy, you risk missing out on valuable opportunities for growth, tax efficiency, and security.
We help you answer critical questions like:
💬 “How do I build personal wealth while growing the business?”
💬 “What’s my exit strategy—and how do I plan for it?”
💬 “Am I optimising my tax position across both business and personal income?”
💬 “Have I protected the business (and my family) from unexpected disruption?”
What Can Go Wrong Without a Financial Plan?
Without a comprehensive financial plan, here’s what you might be wondering:
💬 “Will I have enough for retirement?”
💬 “Am I paying more tax than I need to?”
💬 “How do I protect my family if something unexpected happens?”
💬 “Can I make the most of my investments and grow my wealth?”
Without addressing these concerns, you might worry about:
- Lost Wealth-Building Opportunities: Without a cohesive plan, you could miss out on smart strategies to grow your wealth and reduce taxes. Don’t leave money on the table!
- Uncertain Retirement: Without an exit plan, you might find yourself in the ‘what next?’ stage of life—lacking the clarity and financial backing you need for a comfortable retirement.
- Higher Tax Bills: Poor tax planning can cost you and your business, reducing what you can invest or save. Who likes paying higher taxes? (Hint: No one.)
- Business Vulnerability: Without key protections, an unexpected event could throw a wrench in your business operations, jeopardising everything you’ve worked so hard to build.
What You Get
What Entrepreneurs Get From Our Financial Planning Service
✔ Discovery Session – A free 60-minute consultation to understand your goals and see if we’re the right fit.
✔ Three Life Planning Sessions (10 hours total) – Deep, structured conversations that bring clarity and direction to your future.
✔ Comprehensive Financial Review – We review your personal and business finances.
✔ Scenario Planning – Explore “what if?” moments to plan for major decisions using our powerful cashflow modelling tools.
✔ Tailored Financial Plan – A clear, bespoke document that aligns every element of your finances with your goals.
✔ Ongoing Support – Your plan will evolve as your business and life evolves. We provide regular reviews and proactive advice to keep you on track.
Why Business Owners Trust Transform
✅ Holistic Approach
We ensure your business and personal finances work together seamlessly, supporting your overall wealth strategy.
✅ Tailored to You
Every business and every owner is different. We create personalised solutions to meet your unique challenges and aspirations.
✅ Future-Proof Strategies
Whether you’re preparing for retirement, a sale, or growth, we develop strategies that secure your wealth for today and tomorrow.
✅ Commercial Advisers
Get honest, jargon-free advice from commercial advisers who truly understand the demands of running a business. No stiff collars here.
Angus Kirk
Director & Financial Planner
Shadi Kirk
Director & Financial Planner
Danielle Wilson
Financial Administrator
Our Team. What Makes Us Different?
We’re a husband-and-wife team – ably supported by Danielle – who believe financial planning should be personal, not transactional. Owner-managers choose us for our warmth, honesty, and straight-talking commercial advice.
What It Costs
Our Transparent Pricing
Discovery Session: Free of charge
Full Financial Planning Service: £3,995–£7,995 depending on complexity of business and personal financial affairs (minus £2,495 if you’ve previously completed our Life Plan).
Implementation Fee: £1,245 + 0.5% of assets advised (capped at £6,000)
Ongoing Management Fee: 1% of investible assets (minimum £2,500/year, capped at £26,000)
Real Clients. Real Stories.
FAQs
What is financial planning?
Financial planning involves defining your life goals, evaluating your current financial situation, and creating a roadmap to achieve those objectives. It includes analysing your income, spending, assets, and liabilities to build tailored strategies for saving, investing, and managing money effectively.
What does a financial planner do?
Financial planners collaborate with you to identify your life and financial goals, then develop strategies to achieve them. You should seek their advice when making complex financial decisions or during major life events such as marriage, starting a family, retirement planning, divorce, or coping with the loss of a loved one.
Is this different from financial planning for individuals and families?
Yes. Business financial planning aligns your business and personal finances to achieve tax efficiency, secure sustainable investment growth, and ensure long-term financial stability.
How does Transform support business succession planning?
We work with you to create a succession or exit plan tailored to your retirement goals. Whether you aim to sell your business or pass it down, we’ll ensure the transition is seamless and tax-efficient.
How long does it take to create my financial plan?
We can complete your financial plan within a few weeks.
What level of wealth do I need to use your service?
We typically provide the most value to business owners with at least £500,000 in investable assets (excluding property) or high incomes.
How accurate do my financial figures need to be for the initial session?
Rough estimates are absolutely fine. Financial figures change frequently, so having an approximate understanding is sufficient for the first meeting.
Do other company directors need to be involved in the planning process?
If you intend to use your business to achieve personal financial goals, involving other directors is often necessary. For companies with more than four directors, aligning everyone’s expectations can be challenging. While it’s ideal to involve all directors, it depends on how much authority you have over financial decisions within the business.
How often should we meet each year?
At a minimum, we recommend an annual review. However, we’re available to support you whenever you need us.
Ready to Start Your Journey?
Running a business is demanding enough.
Let us help you secure your personal wealth, plan for your exit, and build a life of financial independence.
Book a discovery consultation and let’s build a financial plan as ambitious as your business.
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Transform Financial Planning (FP) is a trading style of Bridge Investments Partners Ltd. Bridge Investments Partners Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference no. 608975.
Registered in Scotland. Company Number: SC456760. Registered Address: 19 Monktonhall Place, Musselburgh, Scotland, EH21 6RR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Regulations, levels and bases of taxation are subject to change. The value of your investment can go down as well as up and you may not get back the full amount you invested.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Business Planning, Will Writing, Taxation and Trust Advice. The firm is not responsible for the content of external links. The content is aimed at UK residents or residents of MiFID countries. See our Website Terms of Use.
Making a Complaint
If you wish to register a complaint, please email hello@transformfp.com or write to us at Transform FP, Compliance Officer, 129-131 Comely Bank Road, Edinburgh, EH4 1BH UK, or telephone us on 0131 315 222.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
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