Start-ups and SMEs
At Samruddhi we are your strategic wealth Partner and can help you to manage your entire financial life, with an integrated approach and fully managed service.
Our founder has over a decade of experience of advising start-ups.
Guiding you through raising capital landscape, capital structure (Debt vs. Equity) and various factors to consider. We also partner with you to run the business post capital raise by making sure cash is managed appropriately from Day 1 and on ongoing basis; to meet business needs.
We can help you comply with auto-enrolment requirements together with necessary business, director and employee protection in place.
Stage 1: Starting up
Starting out, you need personalised, simple advice with a focus on cash management, forward planning and goals – for both you and your business.
How can we help?
Cashflow modelling and management
Our cash services help you manage your cashflow tax efficiently and find finance when you need it.
Tax planning
We’ll help make sure you’re as tax efficient as possible, making full use of every corporate allowance and tax relief you can.
Protecting your business
We’ll help you obtain necessary Directors’ Insurance and company level insurance through our partners.
Investors often require key person’s insurance to be in place for an investment round; and is important for the business if there are more than one founders.
Protecting your people
We can help you set up income protection and Critical Illness insurance, as well as Medical and Life Assurance, as part of your employee benefits package.
Stage 2: Growing your business
It’s time to minimise risk and aim to maximise cash flow, allowing you to make corporate investments to grow your assets, increase the value of your business and look after the wellbeing of your employees.
How can we help?
Group Pension planning
Putting together a competitive group pension scheme means balancing the best interests of both your workforce and your business.
Auto enrolment and workplace pensions
As soon as you have staff earning over £10,000 a year, or over the age of 22, you must auto enrol them, and make pensions contributions on their behalf1.
Looking after your staff
Setting up an excellent employee benefits scheme (which applies to you as much as them!) isn’t simply about salaries and bonuses.
We can help you put in place group income protection, to protect income and lifestyle, life assurance and critical illness schemes and keyperson insurance.
1Workplace pensions - Gov UK
Auto enrolment products are not regulated by the Financial Conduct Authority.
Stage 3: Expanding your business
Aiming to maximise growth and invest capital so your business will provide the money you need to live life to the full, when you decide to exit.
How can we help?
Making corporate investments
Making tax-efficient corporate investments can help increase the asset value of your company. We help you choose investments and portfolios that are properly diversified and match your values as well as your long-term goals
Planning your exit
For every business owner, it’s vital to plan in advance what happens to the business after you, especially if it will play a major part in your retirement income plans.
Stage 4: Your exit strategy
Now is the time to optimise your business and its value. We’ll help you plan your retirement income so you can enjoy the lifestyle you’ve worked hard to achieve.
How can we help?
Timing your exit
For most business owners, we recommend planning five years ahead. You’ll need to forecast its growth potential so it’s an attractive proposition to potential buyers.
Retaining & Gifting Shares
We can help you decide optimal tax structure and strategy.
Management buyout
If you’re considering a management buyout – either a sale of assets, or sale of shares, we can help you benchmark your business and explain all your choices.
We offer practical advice and support in making one of the most important decisions of your career.
Life after business – your investment choices
It’s very important to take financial and specialist tax advice at this stage if you’re likely to have a lump sum as a result of selling the business.
If you’re thinking about exiting your business in the next five years, these are vital for forward planning.
You need to know what the business is worth now, and what it could be worth when you sell.
Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James's Place.
