“Many clients come to me feeling overwhelmed by financial decisions. My role is to simplify, structure, and take that weight off their shoulders.”

Client Profile - Aesthetic Business Owner

Laura is a highly successful aesthetics business owner and a mother of four. Her business is thriving, but she wanted guidance on how to turn that success into long-term, tax-efficient wealth for both herself and her family.

The Situation

When we first started working together, Laura had built a strong and profitable business. However, like many business owners, she felt overwhelmed by the financial noise.

With so much information around investing, tax allowances, diversification, and understanding risk and reward, it can quickly become confusing and time-consuming to navigate.

This is something I see often with business owners, particularly those running fast-growing clinics.

She wanted clarity, structure, and confidence in knowing she was making the right financial decisions.

What We Did

We took a step back and looked at Laura’s full financial position, both personally and within her business.

• Established a pension through her company, enabling tax-efficient investing and corporation tax savings
• Introduced an investment strategy to protect her wealth from inflation and unnecessary tax
• Implemented protection policies, including a Relevant Life Policy (an allowable business expense) and a personal health policy
• Ensured the Relevant Life Policy was written into trust
• Worked closely with her accountant to ensure everything was aligned

Her accountant ensures she remains tax-efficient and compliant today, whilst I focus on structuring and building her long-term wealth for the future.

The Outcome

• Corporation tax savings
• Clear financial structure
• Protection for her and her family
• Joined-up financial planning and accountancy
• Confidence in her financial future
• A pathway to intergenerational wealth

The Bigger Picture

This is about more than financial products.

It is about creating clarity, removing stress, and ensuring Laura’s financial position supports both her life today and her long-term goals.

Laura is a brilliant aesthetician and a genuinely lovely person. It has been an absolute pleasure working with her, and over time we have built a strong and trusted relationship.

She recognised the importance of working with a professional early on, allowing her to focus on her business and family, knowing her finances are being looked after properly. 

By working collaboratively with her accountant, we have built a solid financial foundation that will continue to evolve as her life and business grow.

The advice given to Laura was provided after a full evaluation of their specific needs, circumstances and requirements. The solutions provided may not be suitable for everyone and the information provided here does not constitute advice.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Trusts are not regulated by the Financial Conduct Authority.