Financial adviser for business owners in Liverpool
Your business is building wealth. Your personal finances should be too.
Running a profitable business creates financial complexity that generic advice cannot address. As a Chartered Financial Planner based in Liverpool, I work with female business owners, entrepreneurs, and company directors who need specialist personal financial advice that understands the demands of business ownership to build a plan around both the business and the person running it.
Financial planning at every stage of business ownership
Protecting your business and family
Planning for growth Tax efficiency from the start
Building personal financial foundations alongside the business
Starting Up the Right Way
Personal wealth building alongside business growth
Tax planning and optimisation
Pension strategy for business owners
Protecting your income and assets
Growing Your Business
Exit strategy and timing
Post-sale wealth management
Tax planning ahead of sale
Passive income and retirement planning after exit
Planning Your Business Exit
We work in conjunction with an extensive network of external growth advisers and SME specialists, who have been carefully selected by St. James's Place. The services provided by these specialists are separate and distinct to the services carried out by St. James's Place and include advice on how to grow your business and prepare your business for sale and exit.
Built for female business owners who are ready to take their personal finances as seriously as their business
My business owner clients are women who are exceptional at what they do, but who know that the financial complexity of running a profitable business has outgrown what they can manage alone.
They are typically generating £100,000 or more in annual profit. They are company directors, consultants, female founders, and self-employed professionals whose income is significant but whose personal financial planning has not kept pace with their business success.
The challenges they bring to me are consistent: tax liabilities that feel higher than they should be, personal savings that have been deprioritised in favour of reinvesting in the business, pension planning that has been put off for years, and a feeling that their financial situation is now complex enough to need someone who genuinely understands it.
That is exactly what I do.
What running a profitable business means for your personal finances
Business ownership creates financial challenges that employees rarely encounter. As your business grows, so does the complexity of your personal financial position.
Tax planning As a business owner or company director, your tax position is more nuanced than most. How you extract income from your business, how you structure your pension contributions, and how you manage investment decisions all have significant implications. Getting this right requires ongoing specialist advice, not a one-off conversation.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
Pension planning: Business owners are among the most underprepared for retirement of any group in the UK. When you are self-employed or running a company, there is no employer contributing to your pension automatically. The responsibility is entirely yours and the sooner you build a pension strategy, the more time works in your favour.
Learn more about pension advice
Protection If you were unable to work tomorrow, what would happen to your income, your business, and your family? Protection planning for business owners covers income protection, life cover, and business continuity, making sure everything you have built is not put at risk if the unexpected happens.
Wealth building alongside the business Many business owners reinvest everything back into the business for years, leaving personal wealth building on the back burner. A clear financial plan helps you build personal wealth in parallel with business growth so that your financial security does not depend entirely on the value of your business at exit.
The Money Map: A clear picture of your full financial position
Before I recommend anything, I want to understand the complete picture, both the business and the personal.
The Money Map is a structured financial planning session that maps out exactly where you are today across every area of your finances: income, tax position, pension, investments, protection, and personal goals. For business owners, this includes how the business fits into the wider financial picture and what the relationship between business decisions and personal wealth actually looks like.
The result is a clear, prioritised plan, not a generic strategy. A bespoke roadmap that shows you exactly what to address and in what order, so your money works as hard as you do.
Planning a business exit? That deserves its own specialist conversation.
Selling a business is one of the most significant financial events of your life, and the planning that surrounds it is a specialism in its own right.
If you are thinking about exiting your business, whether that is in the next year or the next five, I provide dedicated financial advice for business sale and exit planning. This covers tax strategy ahead of sale, post-exit wealth management, and planning for the financial life that comes after.
The most important thing I tell every business owner considering a sale: speak to a financial adviser before the sale process begins, not after. The earlier planning starts, the more options are available to you.
Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James's Place.
Learn more about business sale financial advice
Testimonial
“My husband and I approached Shalini with the goal of consolidating our pensions and finding someone we could trust to manage them together. We also wanted to maximise our returns as a couple and grow our pension pot to potentially retire earlier. Shalini’s personalised approach is outstanding - she truly understands us and our individual and shared financial goals. It’s great that we can work on this together, knowing she’s looking after both of our interests. We fully trust her and highly recommend her to anyone seeking sound financial advice.”
Step 1: Clarity Call A 15-minute call to understand your business, your personal financial position, and what you need. No obligation and no pressure.
Step 2: Money Map Session A deeper session mapping your complete financial picture, personal and business, and building a clear plan tailored to your goals.
Step 3: Implementation Putting the right pensions, protections, tax structures, and investment plans in place based on what we have agreed.
Step 4: Ongoing Reviews Regular reviews as your income, business, and personal circumstances evolve. For business owners considering a sale, I recommend check-ins every six to eight weeks so that the plan remains aligned with your exit timeline.
Getting started is simple
Frequently asked questions
from business owners I work with
Q: I am thinking about selling my business.
When should I contact a financial adviser?
A: As early as possible. I often work with business owners after the sale has completed and the consistent feedback is the same.
“They wish they had sought financial advice sooner.”
There are often meaningful opportunities to structure the sale more efficiently, working collaboratively with your accountant and solicitor ahead of and during the process. The earlier those conversations begin, the more options are available.
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This is one of the most common questions I hear from business owner clients. The answer is different for every business and every person which is why the Money Map exists.
It gives you a clear view of both your business and personal financial position so you can make informed decisions about how to allocate resources without sacrificing either. -
Yes, and the sooner the better. Without an employer contributing on your behalf, the responsibility for retirement planning falls entirely to you.
Business owners also have access to pension structures that can be highly tax-efficient when set up correctly. This is one of the areas where specialist advice makes the most measurable difference. -
At minimum, annually. Your business and personal circumstances are not static and neither are market conditions.
For business owners in a period of significant growth or planning an exit, more frequent contact, every six to eight weeks, so your financial plan stays aligned with what is happening in the business. -
Yes. While I am based in Liverpool and work with many clients locally, I support women throughout Merseyside, the North West, London, Birmingham, Manchester, Cheshire.
The advice is always personal and built around your specific situation regardless of location
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If you are a female business owner or entrepreneur with a profitable business and you feel your personal finances have not kept pace with your professional success, this is exactly what I do.
Whether you are at the growth stage, approaching an exit, or simply ready to take your personal financial planning seriously, the first step is a Clarity Call.
Ready to make your personal finances as strong as your business?
The first step is a 15 minute clarity call. No obligation or jargon, just a straightforward conversation. We will discuss where you are, what you are looking for, and how I can help you best.
Female business owners and entrepreneurs across Liverpool, the North West, and the UK choose Her Financial Planning for advice that is personal, specialist, and built entirely around them.
Learn more about business sale financial advice
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