Business Owners and Entrepreneurs

Expert financial guidance, tailored to you

Shot on location at Clitheroe Castle

Supporting business owners with strategic financial planning

Running a successful business while planning for your personal financial future can be challenging, but two10 investment services is here to help. We understand the complex balancing act business owners face, and we’re here to simplify the process.

Every business owner’s journey is unique, so we build financial plans tailored to your specific business and personal goals.

Our approach focuses on aligning your business success with your long-term personal financial security. Whether you're building wealth, protecting your assets, or planning for an exit, we’re here to support you, every step of the way.

We work with the other key professionals, making sure you have the right team around you.

Tailored planning for business owners, through every stage

We provide tailored financial planning to help business owners make the most of what they’ve built - and protect it for the future.

Optimising Established Wealth: We structure your finances efficiently as your business expands, including strategies like having a holding company to separate investments and assets from the trading company.

Protecting What You’ve Built: We provide risk management, succession planning, and protection planning for both your business and your loved ones.

Preparing for Exit or Succession: We help develop exit strategies- whether selling, stepping back or passing on the business we assist you in ensuring a smooth, tax efficient transition that supports your personal and financial goals.

Holding Company/Group Structure: Having a holding company/ group structure allows the following potential benefits

Asset protection: Keeps valuable assets such as property/cash/ IP/investments safe from trading company risks
Tax efficiency: Dividends can be moved between companies tax free.
Franked income: Dividends from certain investments are tax free allowing investments within your holding company to benefit from this tax relief.
Easier expansion/diversification: New ventures can be set up as separate subsidiaries, ringfencing each activity’s risk and reward

Family Investment Companies: These have a whole host of benefits for business owners such as

Tax efficiency: Profits are taxed at the lower corporation tax rate; most dividends received are tax-free.
Inheritance tax planning: Helps pass on wealth without upfront IHT charges, especially when shares are gifted over time.
Control: Founders retain control over assets and how income or capital is distributed.
Succession planning: Enables gradual, structured wealth transfer to future generations.
Asset protection: Shields assets from personal claims, creditors, or divorce.
Flexibility: Can hold various investments with customised share structures.
No trust charges: Avoids IHT charges common with trusts.
Privacy: Can be structured to reduce public financial disclosure

Helping business owners achieve their financial goals

Shot on location at Mitton Hall, Whalley

Balancing Business Growth and Personal Wealth

As your business grows, so too should your personal wealth. We help business owners withdraw profits in a tax-efficient manner, tailored to your circumstances. We help you build a strong foundation of personal financial resilience that leaves you well prepared for any unexpected circumstances.

Surplus profits present an opportunity - not just for reinvestment in your business, but for building long-term wealth. We work with you to make smart decisions about where to invest both within your business and outside of it, creating a plan that supports both growth and security.

Reducing your personal reliance on the business is a vital step in protecting your future. We ensure your financial plan reflects your wider priorities - from providing for your family, to living the lifestyle you’ve worked so hard to achieve. Your business and personal goals don’t need to compete. With the right plan, they can work perfectly in balance.

Employer pension contributions are a great way to extract business profits tax efficiently to move money out of your business and into retirement savings.

Find out more

Planning for life after business

Exiting your business is one of the biggest financial - and emotional - transitions you’ll face. At Two10 Investment Services, we help you prepare for what’s next with a plan that supports your future lifestyle, long-term goals and personal ambitions.

It’s not just about the numbers. We guide you through the emotional and financial aspects of stepping away - whether that means full retirement, consultancy, or a new venture. Replacing the income your business once provided is a key focus, and we’ll create a strategy to use your personal wealth effectively, with careful planning around timing, tax and long-term structure.

If leaving a legacy or supporting the next generation matters to you, we’ll build that into the plan too - helping you pass on wealth in a tax-efficient way. With Two10, you move into your next chapter with clarity, confidence and a plan that reflects what matters most.

Shot on location on Clitheroe High Street

The financial conduct authority does not regulate tax, estate and some forms of business financial planning.

Two10 have looked after my investments for the last two years, providing a professional and friendly personal service. Experienced and knowledgeable staff have provided expert advice and support, taking time to understand my personal circumstances and offering options to reach my financial goals.

As well as being able to check online, staff are always available to discuss and answer queries and regularly review my investment, which is very reassuring. I'm very happy with the performance and service and would highly recommend.

Jane Blackwell

I've been using Two10 for the past year and have nothing to say but good words. The team are friendly and I've always got a point of contact whenever I have any questions!

Ashley Allen

I can’t fault it - absolutely excellent service and support. It’s always a bit daunting speaking to financial advisers about personal finances but this was such an easy, comfortable and positive experience for me. I would absolutely recommend Two10 Investment Services to others - for their service, expertise and the friendliness of the team.

Kerry Ainsworth

One of my financial goals was to have some security for the future, over the last 12 months we’ve really started to get to that point. The services and support we’ve received from Two10 has been holistic – covering my personal life and business interests, from short-term goals like securing our home to long-term retirement planning. I really appreciate the relationship-based approach and have already recommended Two10 to friends and family.

Cat Coulier

I’ve had a positive experience with Two10 Investment Services. The team has helped me to get my money working more efficiently and provided clear, straightforward advice on how to plan for the future.Their service is consistently high quality, and I’ve always found the advisers to be both friendly and knowledgeable. It’s been reassuring to know I have a team I can trust to guide me through important financial decisions.

Anthony Ollerton

Services tailored to you

Financial Planning

Pension & Retirement Planning

Investment Management

Tax Efficient Investing

Cashflow Modelling

Personal & Family Protection

Business Protection

How we can help business owners and entrepreneurs

Wayne, founder of Two10 Investment Services, discusses how we aim to add value to the lives of business owners.

Questions that we’ll help you answer

How can I ensure my family is financially secure if I’m not around?

Protecting your family means thinking beyond the business. From life cover to estate planning and succession strategies, we help you put plans in place to provide financial security - whatever life throws your way.

Can I use my company to contribute to my pension?

Yes, many business owners make pension contributions through their company. It can be a tax-efficient way to extract profits while securing your financial future. We’ll show you how to make the most of pension allowances and limits.

What protection does my business need if something happens to me?

Every business owner should have a plan in place for the unexpected. From key person insurance to shareholder agreements, we help ensure your business and loved ones are protected if illness, injury or death occurs.

How do I balance reinvesting in the business vs. building personal wealth?

Striking the right balance between business growth and personal financial security is key. We help you create a strategy that supports both - ensuring you’re not overexposed in one area and are building long-term personal wealth alongside your business.

Should I be investing personally or through my business?

That depends on your goals, income and the stage your business is at. Personal investments offer long-term flexibility, while business-held investments may bring short-term tax advantages. We’ll help you decide what works best for your overall plan.

What happens to my pension if I sell the business?

Your pension is usually unaffected by the sale itself, but the way you contribute or draw income from it may need to change. We help you reassess your pension strategy to ensure it continues supporting your retirement goals after the exit.

When should I start planning my business exit?

Ideally, business exit planning should begin years before you step away. The earlier you start, the more options you’ll have for a smooth, tax-efficient transition. Whether you're planning to sell, hand over the reins, or scale back, we’ll help you prepare.

How can I extract profits from my business tax-efficiently?

There are several ways to take profits from your business, such as dividends, salary, pension contributions, or even investments. The most tax-efficient approach depends on your income, business structure and long-term goals. We help you explore the right mix for your situation.