If you are in a partnership or a shareholder, you should consider ‘Shareholder Protection’. If your partner died, the partnership would automatically dissolve. If they were a shareholder, their share may be inherited by someone not involved in the business. So it would be best if you thought about having ‘Key Person Protection’ to help safeguard your business against the death or critical illness of someone indispensable.

It is a statutory requirement for every UK employer to enrol staff into a pension scheme. People are living far longer and not making adequate provisions for their retirement and relying on just the State Pension; this is generally accepted as being insufficient for most of us to live on and, because it’s being paid for longer, is costing the government more to provide. The new legislation aims to change that. Workers will be automatically enrolled into a scheme and will have to opt-out of it if, for any reason, they’d prefer not to be in one. It’s hoped the change will help millions of workers finance their own better retirement and reduce their reliance on the state.

Every business needs finance, whether it's to get it off to a flying start, support its operations or invest in its development. You may require a small, short-term loan to ease cash flow or provide financial cover, or it may be a significant, long-term loan to fund property or new assets . Employers' liability insurance is a legal necessity if you have employees working under your supervision. It covers employees, self-employed contractors, temporary staff and volunteers in the event of their suffering an injury during your employment.

As an employer, you have a legal duty to provide some basic employee benefits; for example, holiday entitlement and pension scheme membership are statutory requirements, but today’s employees are more demanding in what they expect from an employer and more promiscuous in their careers. As a result, in today’s workplace, individual employees are sometimes asked to specify exactly what they would like. We can provide you with impartial advice to help you design and create an employee benefits package with a competitive edge that can make a real difference to who you recruit and who you retain.

How do you reduce the risk of losing money and increase the probability of making money? There are many investment options available – but how do you choose? How do we know what’s right? do you want to know what your investing in? We take the time to talk to you about your financial objectives, the level of risk you’re prepared to accept and any investment preferences you may have. We provide expert guidance and, once you’re happy to go ahead, we put everything in place and keep you updated for the duration of your investment.