Investment & Financial Advisory Firm | Investinum
Investment & Financial Advisory Firm | Investinum
We help business owners understand and plan for the financial risks attached to ownership, key people, continuity and capital.
A business can be financially strong and still be exposed when too much depends on one owner, one key person or an ownership structure that has not been properly planned for.
Our financial and risk solutions can help you:
Business risk planning should start with the financial impact if something goes wrong, not with an insurance product.
We consider what the business depends on, where financial exposure sits and how ownership, personal finances and business capital may be affected before recommending a course of action.
Assess the financial risks facing the business and consider appropriate protection against material events.
Plan for how ownership and the funding of a shareholder’s interest could be dealt with following a qualifying death or disability event.
Consider the financial effect of losing a person who plays an important role in the business and the protection that may be appropriate.
Identify financial exposures linked to people, ownership and continuity and bring them into a structured plan.
Consider how business capital and reserves can be invested in line with the organisation’s objectives, timeframe and liquidity requirements.
Connect the financial decisions made inside the business with your personal investments, retirement planning, protection and estate position.
Business owners often make financial decisions in two separate worlds: one for the company and another for themselves.
Investinum brings these decisions into one view where they overlap. That may include the value tied up in the business, ownership arrangements, business protection, corporate investments and what these mean for your personal long-term financial plans.
It can include business assurance, buy-and-sell arrangements, key person cover, business risk planning, corporate investment solutions and financial planning for business owners.
Buy-and-sell arrangements are commonly used to provide funding for the transfer of an owner’s interest following a qualifying death or disability event. The appropriate structure depends on the ownership arrangement and circumstances of the business.
No. The relevant question is not simply the size of the company, but where financial exposure exists around ownership, key people, continuity or business capital.
For many owners, a substantial part of personal wealth is tied to the business. Ownership, succession, business protection and corporate investment decisions can therefore affect personal investments, retirement planning and estate arrangements.
Start by considering what would happen financially if a key owner, director or employee could no longer fulfil their role. The potential effect on revenue, replacement costs, debt obligations or business continuity can help determine whether protection should be considered.
Yes. Corporate investment solutions form part of Investinum’s business financial and risk offering and can be considered according to the business’s objectives and wider financial position.
Key person cover is designed to help a business manage the financial impact of losing someone whose death or disability could materially affect its operations or financial position.
A review becomes particularly relevant when ownership changes, new partners join, the business grows materially, debt or capital requirements change, or the roles of key people develop.
Talk to Investinum about continuity, key person risk or ownership planning for your business.
Talk to Investinum about continuity, key person risk or ownership planning for your business.