Design Your Future™
CERTIFIED FINANCIAL PLANNER™ Professional led Programme For Business Owners.
Design Your Future™
Design Your Future™ is our flagship wealth planning programme for business owners.
We work with business owners to help them navigate a route to achieve their financial goals and help you put contingencies in place in case something unexpected happens along the way.
If you own a ‘real’ business, ongoing and adaptive wealth planning should be a key function of the business just like sales and marketing or accounts.
If you want to grow and protect your wealth, you shouldn’t leave it to chance.
The Design Your Future Programme is currently at full capacity. Join the Notification List & we will let you know when places become available:
As business owners, we tend to get caught up in the day to day activities of running our businesses…. sometimes to the detriment of building lasting wealth from the business asset.
Changes in tax legislation were implemented in the Finance Act of January 2023 allowing business owners to extract up to €2 million tax-free into a Personal Retirement Savings Account. These payments are NOT subject to Benefit in Kind (BIK) tax.
According to a recent article in The Irish Times, the Revenue has written to the Finance Minister with concerns about this ‘massive loophole’ so it’s unclear how long this wealth building opportunity will remain open.
Are you missing out on this potentially once-in-a-lifetime opportunity to transfer massive wealth from your business into your personal wealth?
Not only can the funds in a Personal Retirement Savings Account grow tax-free, you can take out up to €200,000 tax-free at retirement with a further €300,000 at a reduced tax rate of 20%.
Alternatively, if you have funds (such as from the sale of the business at a future date)
Are you paying a Close Company Surcharge on interest payments or rental income?
Do you review your expected profits prior to your Business Year End and extract profits to reduce your tax bills?
Are you missing out?
As business owners, we tend to get caught up in the day to day activities of running a business.
Are you taking advantage of changes in tax legislation announced in the Finance Act of January 2023 that allow business owners to extract up to €2 million tax-free into a Personal Retirement Savings Account?
Will you qualify for Retirement Relief on the sale of your business
Will you qualify for Entrepreneur Relief on the sale of your business
Retirement Relief .€200,000 tax-free with a further €300,000 at a reduced tax rate of 20%.
Do you review your expected profits prior to your Business Year End and extract profits to reduce your tax bills?
Do you have cash reserves earning little or no interest in the bank (and losing real spending power due to inflation)? Are you paying a Close Company Surcharge on these earnings?
Are you paying a Close Company Surcharge on interest payments or rental income?
Do you review your expected profits prior to your Business Year End and extract profits to reduce your tax bills?
Do you have cash reserves earning little or no interest in the bank (and losing real spending power due to inflation)? Are you paying a Close Company Surcharge on these earnings?
Award Winning team of CERTIFIED FINANCIAL PLANNER™ Professionals.
Future Cashflow Modelling
Design Your Future™ is our flagship financial planning programme for business owners.
Traditional financial planning services typically
How it works:
To give you advice, we need to know a little about you, your family and how you currently spend your money.
It’ll take you no more than 15 minutes to give us the info we need & after we’ve analysed it, we’ll have a 45 minute Zoom call to give you advice & an action plan.
Connect your accounts: Link your bank accounts securely though Open Banking and answer a few basic questions about yourself and your family. It’s simple and it only takes a few minutes.
We’ll use financial software to analyse your spending habits, categorise your transactions to provide insight into where your money goes.
One of our financial advisers will spend 45 minutes on a Zoom call to illustrate the tweaks you need to make to plan for a secure and wealthy future using the ‘Sure Circle’ tool we’ve designed.
We’ll help you prioritise how you allocate your income, making sure that once your essentials & savings are covered, you can spend your disposable income whatever way you like, completely guilt-free.
After the Zoom call, we’ll send you a one page action plan with simple steps to take, to put more money in your pocket and build a brighter future.
Preparing for a Business Exit
If you plan in advance (often years in advance), you may be able to claim relief on a business sale and pay ZERO tax on proceeds up to €750,000 or €1,500,000 if you own the business with your spouse.
Or pay as little as 10% tax on the first €1,000,000. What’s more, with pension tax-free lump sums
Design Your Future (Upfront)
Our flagship Financial Plan, providing in-depth financial analysis, cash flow modelling and scenario planning.
€709
Design Your Future (Members)
Become a member to get the full ‘Design Your Future’ plan, ongoing planning services, plan reviews and ‘all you can eat’ financial advice.
€469
per month.
Turnover less than €5 million
Our entry level financial planning service, focusing on the first steps you need to take to build a secure financial future.
€269
per month