Rite Wealth play a vital role in helping small business owners in the UK navigate complex financial decisions. From pension optimisation to succession planning, our expertise ensures long-term financial health and business continuity.
1. David & Sally – Property Entrepreneurs
Challenge: Successful property business but poor personal financial planning. No pension contributions and large cash reserves sitting idle in the business.
Our Solution:
- Set up Self-Invested Personal Pensions (SIPPs) for both owners.
- Used carry-forward rules to contribute up to £160,000 tax-efficiently.
- Helped them purchase a company office through their pension.
- Created a strategy to extract value from the business while reducing tax exposure.
Outcome: Improved personal financial security, reduced tax liabilities, and aligned business assets with retirement goals.
2. Jon – Preparing for Business Exit
Challenge: Planning to sell his limited company within 12 months. Concerned about managing post-sale wealth and creating a legacy.
Our Solution:
- Structured wealth to maximise diversification and tax efficiency.
- Created a post-sale income strategy.
- Developed a legacy plan that preserved control while preparing for future family needs.
Outcome: Peace of mind, financial stability, and a clear roadmap for life after business.
3. Mariam – Strengthening Personal Finances
Challenge: Partnership business owner with most wealth tied up in the business. Wanted to protect her family and build personal assets.
Our Solution:
- Implemented business and personal wills.
- Created a plan to build personal savings and children’s investment pots.
- Ensured continuity of the business in case of unexpected events.
Outcome: Greater financial resilience and a structured legacy plan.
General Services Offered by Rite Wealth
- Tax planning: Structuring income and dividends for efficiency.
- Succession planning: Preparing for business handover or sale.
- Pensions: Setting up SIPPs, auto-enrolment schemes, and retirement strategies.
- Employee benefits: Designing packages to attract and retain talent.
- Business protection: Insurance for key persons, shareholder agreements, and continuity planning.
Why It Matters
Our financial planners don’t just manage investments — they align personal and business goals, reduce tax burdens, protect against financial shocks, help build long-term wealth, and provide clarity and confidence in decision-making.
This article is for information only. It is not financial advice or a personal recommendation, and it does not take account of your circumstances. Any recommendation would follow a full assessment.
The value of investments can fall as well as rise and you may get back less than you invested. Tax treatment depends on individual circumstances and may change in future.