The majority of those who undertake Cilbenrick's Financial Management Programme are owners of small to medium-sized businesses who have an entrepreneurial spirit and an open mind for tax-saving, profit-increasing and business protection ideas

We offer guidance on the establishment and management of suitable pension schemes for business owners and/or members of staff, including ownership of commercial premises within pension funds. Guidance is also given on the establishment and management of other employee benefits, such as life assurance, healthcare and income protection schemes.

It is important to regularly review the merits of alternative remuneration policies and we will discuss tax efficient methods of withdrawing funds from your business. Other tax planning ideas that are applicable to the business will also be evaluated.

We will review your partnership agreements or directors' contracts of employment to ensure that they outline the provisions available on retirement, ill health or premature death.

We will also help to agree the method of repayment of partners' capital accounts and directors' loan accounts under various scenarios, such as retirement, ill health, premature death and normal circumstances. Company directors and business partners must protect themselves and their families against the financial consequences of death or disability. Partnership and Co-Shareholder Assurance can provide peace of mind and should be co-ordinated with appropriate partnership or cross-option agreements.

We are happy to work with your accountant or solicitor to maximise the opportunities that are available to you and your business.