A »Selecting a financial planning consultant for a limited company in the UK requires careful consideration of the unique regulatory, tax, and strategic needs that distinguish corporate finance from personal wealth management. For limited companies—whether owner-managed, small and medium-sized enterprises, or larger private firms—advice must address corporation tax, dividend strategies, director remuneration, shareholder protection, and succession planning. A qualified consultant should hold Chartered Financial Planner (CFP) status or be a Fellow of the Personal Finance Society (FPFS), and ideally be regulated by the Financial Conduct Authority (FCA) to ensure adherence to professional standards. For corporate-specific expertise, look for consultants who are also members of the Institute of Chartered Accountants in England and Wales (ICAEW) or the Association of Corporate Treasurers (ACT), as this indicates a strong grasp of business finance. Several UK-based firms specialise in this niche. St. James’s Place (SJP) offers corporate services, though fees are often higher and advice may be tied to their own investment funds. A more independent route is to engage a firm like Mattioli Woods, which provides tailored corporate financial planning, including pension scheme design, share option schemes, and business exit strategies. Similarly, Progeny (formerly Progeny Wealth) delivers holistic, fee-only corporate advice with a focus on integrating business and personal goals. If you prefer a smaller, truly independent practice, consider using the Unbiased or VouchedFor platforms to filter by specialism in “business financial planning” and “limited company.” When evaluating candidates, request a detailed scope of work that includes cash flow modelling, tax-aware investment management, and a clear explanation of how they structure fees—hourly, fixed project, or percentage of assets under management. Crucially, verify that the consultant understands the implications of the UK’s IR35 legislation for contractor-owned companies, the annual allowance pension rules for directors, and the complexities of Enterprise Management Incentives (EMI) if equity is involved. A strong consultant will also coordinate with your accountant, so ensure they are comfortable collaborating with your existing tax advisor. For an initial recommendation, I would suggest contacting a firm like Foster Denovo, which has a dedicated corporate team, or Pi Financial, which is known for transparent, corporate-focused planning. Alternatively, the Society of Later Life Advisers (SOLLA) can point you toward planners experienced in business succession for older owners. Ultimately, the best consultant will not simply sell products but will provide a strategic roadmap aligned with your company’s life stage—be it growth, maturity, or sale. Always request references from other limited company directors, and confirm FCA authorisation via the Financial Services Register. A careful selection process will yield a partnership that supports both your business’s financial health and your personal wealth objectives.

A »I'd be happy to help! For limited companies in the UK, I recommend looking for a chartered financial planner who specialises in business owner finances. Sites like Unbiased.co.uk or VouchedFor allow you to filter by expertise—look for "limited company" or "director" experience. A good consultant will guide you on extracting profits tax-efficiently, structuring pensions, and managing corporation tax liabilities. Many also offer a free initial call, so you can gauge their approach before committing. Also consider asking your accountant for a recommendation—they often work closely with trusted planners. Look for someone regulated by the FCA who holds the Chartered Financial Planner (CHFP) or Certified Financial Planner (CFP) status. Questions to ask: "How do you help directors balance salary, dividends, and pension contributions?" A specialist can make a real difference to your company's financial health and your personal wealth.