Business owners
At Curran Futures, we work with business owners whose personal and business finances are closely connected, often more than they realise. Whether you are growing a company, extracting profits, or beginning to think about succession or exit, financial decisions made inside the business have long-term consequences for your personal wealth.
Our role is to help you join the dots. Alongside personal financial planning, we work with business owners to clarify long-term objectives and strategic direction, ensuring that financial decisions support where both the business and the owner ultimately want to go. This creates confidence, structure and momentum, rather than reactive decision-making.
Who this service is designed for
- Owner-managers of small and medium-sized businesses
- Directors taking income through salary, dividends or retained profits
- Entrepreneurs planning for growth, succession or exit
- Business owners with significant value tied up in their company
- Individuals seeking joined-up advice across business and personal finances
- Business owners looking for overall strategic business support and guidance
The challenges we help business owners solve
- Aligning business growth with personal financial goals
- Deciding how and when to extract income tax-efficiently
- Turning business success into long-term personal security
- Planning for retirement when wealth sits mainly inside the business
- Preparing early for succession, sale or step-back
- Business planning, operations, and strategic decisions
Entry services in this ladder
These fixed-scope services give business owners clarity early, and provide a structured pathway into longer-term advisory support.
Business Owner Financial Map
This is often the starting point for business owners working with Curran Futures. We create a clear overview of your personal and business finances, income, profits, pensions, investments and cash flow. You gain a clear understanding of where you are today, how exposed you are to the business, and what needs attention next.
Strategic Direction & Long-Term Objectives Review
This service focuses on helping business owners define where they actually want to end up. We work with you to clarify long-term objectives for both the business and your personal life, and ensure financial decisions are aligned with that direction. This includes growth planning, income strategy, succession thinking and exit considerations, all viewed through a financial lens.
Exit & Succession Readiness Review
Many business owners plan to exit “someday” without knowing what that requires financially. This service assesses how prepared you are for a sale, succession or gradual step-back. We identify gaps, risks and planning opportunities, and outline the steps needed to support a successful transition when the time is right.
Personal–Business Wealth Integration
This service focuses on reducing over-reliance on the business over time. We review how profits are taken, how excess cash is used, and how pensions and investments can be structured to build personal wealth alongside the business. The aim is balance, growth without concentration risk.
Retirement Strategy for Directors
Retirement planning for business owners looks very different from that of employees. We help directors use the tools available to them, particularly pensions and structured extraction, to build a realistic and tax-efficient retirement strategy that reflects how their income is generated.
Your natural next step with Curran Futures
As your business evolves and complexity increases, many clients progress into:
- Ongoing business advisory support
- Integrated discretionary investment management
This allows us to support you through growth, transition and eventual exit, with advice that adapts as your role in the business changes.
Let’s have a chat, click here to book a no obligation appointment with a member of our qualified team.