Avail Financial Planning ADVERTISING FEATURE
New year, new goals: a fresh fi nancial start
As the New Year begins, it’s the perfect time to reassess your goals and refocus your priorities. For business owners, it’s a chance to take control of your fi nances, refi ne your strategies, and lay the groundwork for a more profitable and fulfilling year ahead. At Avail Financial Planning, we specialise in helping
business owners and professionals to make sense of the complexities that come with managing both personal and business fi nances. Whether your goal is to grow your wealth, secure your future, or simply ensure you’re making the most of your hard-earned profi ts, we’re here to guide you every step of the way. As you review your achievements from last year,
ask yourself: ■ Are you confi dent that you’re extracting profi ts from your business in the most effi cient way possible?
■ Do your financial decisions support the lifestyle you aspire to? Whether that’s spending more time with family, upgrading your car, or planning for a luxury trip away.
■ Have you taken full advantage of the tax-saving oppor- tunities available to you as a business owner?
If the answer to any of these questions is uncertain,
now is the time to act. Financial success isn’t just about working harder, it’s about working smarter and aligning your money with your goals. January isn’t just the start of a new year, it’s an oppor-
tunity to reset, both personally and professionally. Why is now a great time for you to take action? ■ Time is ticking on tax opportunities: with the end of the tax year fast approaching, every decision you make now can have a signifi cant impact. Don’t leave money on the table by missing out on valuable allowances, reliefs, or strategies.
■ Prepare for the unexpected: the economic landscape is constantly evolving, and the unexpected can arise at any time. Do you have a fi nancial buff er to protect your business and family? A proactive approach can help you navigate uncertainty with confi dence.
■ Turn ambition into action: the goals you’ve set for 2025 are achievable, but only with a plan. Financial clarity is the bridge between where you are now and where you want to be.
How Avail helps owners and professionals thrive Running a business needs focus, resilience and innovation but no one succeeds alone. At Avail, we act as a trusted part of your team, off ering tailored fi nancial advice that empowers you to make informed decisions. How do we do this? As part of your trusted team, we
Charlotte Walters Avail Financial Planning Associate Partner Practice of St. James’s Place
can help you to learn and understand how to extract money from your business and structure your income in an effi cient manner, so you can enjoy the rewards of your hard work without unnecessary tax costs. We can also utilise the power of pension contributions,
as these are usually a tax deductible expense for your business and, did you know, as a business owner or professional, if your earnings are breaching the child benefi t or £100,000 income threshold for free childcare hours, that we can also consider how pension contributions can be used as a tool to help you keep these benefi ts. We pride ourselves on simplifying the fi nancial plan-
ning process for you. Financial planning shouldn’t feel overwhelming. We’ll take the complexities of pensions, investments, and tax planning and turn them into an easy-to-understand strategy.
Financial planning business update I thought I would share some of our 2025 strategy with you. Amongst looking at tax efficiencies, costs and responsibilities within the business, we have some extremely exciting news for Q1. Following a fab 2024, but keeping it real, much like every other business we have experienced the highs and the lows, been through the lulls and the peaks of the economic activities that have been upon us, but have enjoyed working with our existing clients, professional connections and onboarding lots of lovely new clients to work with us. In Q1, we will be welcoming a new member to the team
(watch this space) and opening our new shiny offi ce, which is a beautiful building with a wonderful high street presence. Why not connect with me on LinkedIn to continue
watching our journey? T e value of an investment with St. James’s Place will be
directly linked to the performance of funds selected and may well fall as well as rise. You may get back less than the amount invested. The levels and bases of taxation and reliefs from
taxation can change at any time and are dependent on individual circumstances.
Avail Financial Planning is an Appointed Representative
of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website
www.sjp.co.uk/products. T e title Partner Practice is a marketing terms used to describe St. James’s Place representatives.
Find out more about Avail Financial Planning on 01525 654771 or 07508 810753 or visit www.availfi
nancialplanning.co.uk
SJP Approved 20/12/2024 ALL THINGS BUSINESS | 62
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