When the business is personal, the financial plan has to be too.
Fee-only financial planning for owner-operators whose personal and business finances are deeply intertwined - and who need an adviser who understands both.
For most business owners, the line between personal and business finances is largely theoretical. The business generates the income, holds the assets, carries the risk, and in many cases represents the majority of net worth. A financial plan that treats these as separate domains misses the point - and an adviser who does not understand your business cannot meaningfully advise on your personal finances.
Who this is for
You own or co-own a business and your personal financial planning has lagged behind its growth
Your personal income is drawn largely from the business and you want to think clearly about how you pay yourself
You are thinking about a future exit and want to plan well in advance
You have significant net worth concentrated in the business and want to address diversification
You want a retirement strategy built for a business owner - not a boilerplate 401(k) recommendation
You are concerned about what happens to the business, and your family, if something happens to you
What we cover
Owner compensation - salary vs. distributions optimisation
Business retirement plans - SEP-IRA, Solo 401(k), defined benefit
Entity structure review and tax efficiency
Key-person risk and business continuity planning
Buy-sell agreement review and funding strategy
Exit planning - timeline, valuation, and tax positioning
Business sale preparation and proceeds management
Concentrated business asset risk and diversification
Personal investment portfolio - separate from the business
Estate planning - succession and wealth transfer
The exit planning gap
The exit planning gap
Exit planning is not a single decision made at the point of sale. It is a multi-year process involving valuation, transferability, personal financial independence from the sale outcome, and tax structure. The earlier this planning begins, the more options remain open. Many business owners spend twenty years building something valuable - and six months trying to exit it. The planning gap between those two timelines is where significant value is lost.
Why commission-free advice matters here
Business owners are a frequent target for commission-based products - particularly insurance products positioned as business planning tools. As a fee-only adviser, Simon does not receive commissions from insurance companies, fund managers, or any other product provider. Recommendations are made because they serve your interests - and for no other reason. Simon has practised on a fee-only basis since 2012. Hudson House Capital was established in 2025 on that same foundation.
Let's talk about your business and your plan.
A 30-minute introductory conversation. No preparation required. No obligation to proceed.