Building personal wealth outside the company
Moving from “all my wealth is in the business” toward a more diversified personal position.
Business owners · Specialist advisers
Find an adviser who understands the person behind the business.
For many founders and owner-managers, the business is the pension, the largest asset, the income source and the biggest financial risk at the same time. That makes adviser fit more important than a generic postcode match.
When advice becomes more valuable
Business owners often need help at transition points.
The adviser does not need to be an expert in every corporate issue. They do need to understand where personal financial planning connects with the business.
Planning for a future sale
Thinking about the personal financial consequences of a business exit before the money arrives.
Pensions and retirement
Understanding how pensions and other assets fit alongside the value locked inside the company.
Protection and resilience
Considering what happens to the family or business if a key person cannot work or dies.
Compare properly
Questions worth asking before appointing an adviser
How many business owners do you currently advise?
Regular exposure can matter more than a generic “business owner” label on a profile.
What type of business owners are a good fit for your service?
Ask about complexity, minimum assets and whether they work with founders before and after exits.
How do you charge initially and ongoing?
Get the actual pounds, not just the percentage.
Who else do you work alongside?
For business-owner planning, coordination with accountants, solicitors or corporate-finance advisers can be relevant.
What happens if my needs change after a sale?
A pre-exit client may require a very different service once wealth becomes liquid.
Fee transparency
Complexity should not make pricing impossible to understand.
Where advisers provide their fees, Advisedly can make the structure clearer. Where a firm publishes pricing itself, we can label that source. Where reliable pricing is unavailable, we say so rather than estimate a named adviser’s likely charge.
Illustration0.75% on £1,000,000 = £7,500 a year
That is simple arithmetic, not a quote from a specific adviser. Actual structures may include fixed fees, tiers, caps or a mixture.
Use the fee calculatorFind locally
Combine specialist fit with geography.
Use local pages as a starting point, then let specialist fit determine how wide the search should go.
Common questions
Choosing an adviser as a business owner
What should a business owner look for in a financial adviser?
Look for evidence that the adviser regularly works with owner-managers and understands how business decisions interact with personal wealth. Useful areas to compare include pensions, extracting money from the business, protection, retirement planning, investment management and planning around a future sale or succession.
Do I need a specialist adviser before selling my business?
If a sale is likely to create a major change in your personal finances, it can be useful to work with someone familiar with business exits and post-sale planning. The key point is to find an adviser whose experience matches the complexity of your situation rather than simply choosing the nearest generalist.
How should I compare adviser fees as a business owner?
Ask for the initial and ongoing costs in pounds as well as percentages, understand whether fees are tiered or capped, and check what service is included. Advisedly keeps confirmed adviser pricing separate from generic fee illustrations.