Business & succession
When the business is most of the balance sheet
For owners whose personal balance sheet is dominated by one illiquid, operationally dependent asset.
The problem
For many owners, seventy to ninety per cent of net worth sits in a single asset that is illiquid, undiversified, and dependent on their continued involvement. Personal and business finances are entangled to the point where neither can be assessed alone.
Our approach
We separate the two balance sheets so each can be seen clearly, then work on the concentration: building assets outside the business, planning liquidity, and preparing the business for a transition that may be years away or may arrive without notice.
What we help with
- Separating personal and business balance sheets
- Building diversified assets outside the business
- Remuneration structure across salary, dividend and retained earnings
- Key-person and shareholder protection
- Exit readiness and realistic valuation expectations
Who this is for
- Owner-managers of established businesses
- Founders approaching a liquidity event
- Partners in professional practices
- Families where the business and the household finances are one conversation
How it works
- 01
Separate
Two balance sheets, seen clearly, side by side.
- 02
Diversify
A deliberate plan to build assets outside the business.
- 03
Protect
Key-person cover, shareholder agreements, and liquidity for the unexpected.
- 04
Prepare
Exit readiness, whether or not an exit is planned.
What changes as a result
Concentration made visible
And reduced deliberately rather than by an eventual sale.
A household that survives a bad year
Personal finances that do not depend on the business trading well.
Schedule a confidential consultation
Forty-five minutes, no obligation, and no charge. If we are not the right firm for what you need, we will say so and point you somewhere better.
Anything you share is held in confidence. We ask only for what we need to prepare for the conversation — never account numbers or login details.