Corporate Wealth & Legacy
You built the business. Now build what it earns.
Retained earnings shouldn't just be retained.
The problemProfitable SMEs routinely hold six or seven figures in the corporate account earning near zero. It feels safe. It isn't: inflation takes 2 to 4% of its purchasing power every year, silently. Over a decade, "safe" cash can lose a quarter of its real value.
The approachSegment corporate cash into layers: an operating buffer (untouched), a reserve (capital-protected instruments), and a surplus (longer-horizon corporate structures that can grow, and in some structures protect the key people at the same time). The right split depends on your cash-flow cycle, not a template.
Corporate investment structures
What a company can hold, how it's taxed, and how it interacts with shareholder exit plans is different from personal investing. We map the options at the structural level, before any product conversation.
Estate and succession planning for business owners
Your shares are probably your largest asset, and the hardest one to pass on. Succession planning covers: who can own the shares, who should run the company, how the non-business children are treated fairly, and where the liquidity comes from to make any of it happen. Wills, shareholder agreements, trusts, and insurance-funded equalisation each play a role. The failure mode is having none of them and assuming there's time.