Segner Ltd - "build your financial future"
Businesses
 
Whether your business is a limited company, partnership or you are a sole trader, there are a variety of ways in which your business can be supported by our expert advice. Your business is vital to you and your income, and it is therefore of primary concern to you.
 
Protecting this for you and your family is what we focus on, with the right strategy to help in succession planning and looking after the security of the business. Perhaps as an employer you are looking for help with making the most of the package that you offer employees, including meeting the needs of legislation in establishing and maintaining an automatic enrolment pension scheme.
 
Protecting the owners
 
Whether your business is a partnership or limited company, it is very important to have an effective agreement for the business owners to outline what would happen in the event of a calamity affecting one of you. This can be brought to life and made truly effective by having the right protection arrangements in place. Many businesses fail when a business owner dies and the right strategies have not been put in place, resulting in a catastrophic loss of value for surviving family and co-owners.
 
Loan Protection
 
Most loan agreements stipulate that the business owners will be ‘jointly and severally’ responsible for a loan, so the full repayment on the death of one of the parties to the loan is a likely requirement. We can help you put the right plans in place to protect your business for this.
 
Protect Key Persons
 
There may be someone in your business that is absolutely vital to the success and profits of your business. It might be the connections, skills and talents that they have that the business rely on. It might be you or your co-owners. It is possible to insure the key person so that the business would have the resources to survive the impact of their loss – this could be a combination of a loss of profits and the cost of recruiting a successor.
 
Company Pensions & Automatic Enrolment
 
A major part of your Company’s benefit package will be the quality of the pension scheme that you offer your employees. Whilst you are required to have a scheme for your staff, your contributions to the scheme will be the same regardless of the quality of the scheme and its appropriateness for your business.
 
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interests rates and tax legislation.

Auto Enrolment advice Is not regulated by the Financial Conduct Authority.