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I’m a business owner thinking ahead

Help organise the moving parts of your business exit and personal finances.

A clear plan you can act on


The financial life of a business owner is rarely plain sailing, especially when you start to think about stepping back or selling. You’re balancing personal and business finances, managing cashflow, and keeping an eye on risk, all while trying to build something valuable, transferable, and ready for a future exit. That’s a lot to have on your shoulders; there’s no denying that.

Handing over the reins to your finances will ease the pressure and help you prepare your business for a future sale or ensure your personal finances are ready for the retirement you have in mind.

Is my business actually my pension?

Could the business continue without me?

How can I extract profits tax-efficiently?

With us by your side, you’ll:

Define what "enough" looks like

You’re right to be thinking ahead. We’ll establish what you’ll need from a sale to support the lifestyle you want in retirement, then sense-check whether you’re on track and adjust where needed.

Extract money tax-efficiently

This often involves a careful balance of salary, dividends, pension contributions, and retained profits. Done well, it allows you to take value from the business in a structured way while keeping tax to a minimum.

Have a sounding board

When you’re juggling big decisions, such as timing a sale or deciding how much is “enough”, having someone who understands both the numbers and the bigger picture can make those decisions feel far less daunting.

Build wealth outside the business

Relying on a single outcome isn’t ideal. We’ll help you make better use of pensions, investments, and company structures to gradually create a more balanced and resilient financial position.

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of clients would recommend us to family, friends, or work associates
0%
were satisfied that we understood their financial needs and life goals
0%
believe working with us has helped or will help them achieve their financial goals
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Des Murphy profile picture
Des Murphy
148 days ago
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Rory Brazil and Brazil Financial Planning have been managing our company employees' pension investments for over 15 years. Throughout that time, Rory has provided outstanding service, expert advice, and a level of professionalism that has earned our complete trust. He is knowledgeable, responsive, and always takes the time to explain matters clearly, ensuring both management and employees feel confident about their pension arrangements. His proactive approach and genuine commitment to his clients have made a significant difference over the years. I would highly recommend Rory and Brazil Financial Planning to any business looking for reliable, experienced, and trustworthy pension and financial planning advice.
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Kathleen Moloney profile picture
Kathleen Moloney
148 days ago
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They are very professional, helpful and respond immediately to any queries. We have had a very positive experience in dealing with Rory and would highly recommend him for advice on financial planning.
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Roland Woods profile picture
Roland Woods
494 days ago
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I have been using Brazil Financial for the past 12 years and have been happy with everything that they has done. We have regular meetings for investment and pension planning and they are always available for any advice
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Ciara Mc Clafferty profile picture
Ciara Mc Clafferty
495 days ago
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Rory is a straight talker and gives good, thoughtful advice when it comes to pensions. He is also a pleasure to deal with and I highly recommend him.
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Joe Lynch profile picture
Joe Lynch
502 days ago
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Excellent financial advice, always listening to understand personal situation and any changes that need to be considered.
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Lena Jennings profile picture
Lena Jennings
506 days ago
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We have gone to Rory for all things pension and insurance with our business for many years now and he was always been excellent. He is quick to respond with our queries and always very thorough at going through the various options available to us. We would highly recommend for a very knowledgeable and personable experience.
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Lynda Kealy profile picture
Lynda Kealy
508 days ago
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I've been a client of Rory's for many years, and I couldn't recommend him more highly. He has consistently provided clear, thoughtful, and reliable advice across all aspects of my financial and pension planning. His professionalism and personal attention have given me great peace of mind, and I really value the trust and confidence I’ve developed in him over time. An outstanding advisor and a pleasure to deal with.
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John Craven profile picture
John Craven
509 days ago
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Brazil Financials has been our trusted go to for the last number of years and I hope for many more, we have relied on Rory for a number of important long term decisions around pensions, and plenty of other products.
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Adrian Smyth profile picture
Adrian Smyth
2208 days ago
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Always find Rory to be personal and professional. Definitely worth dropping him an email or phone call if you need financial advice and guidance
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Kevin Mc Gale profile picture
Kevin Mc Gale
2225 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Rory and Brazil Financial Planning provide an in-depth thorough service that is honest and reliable. I have worked with Rory in the areas of pension planning, income protection and mortgage protection and more recently in the area of whole life financial planning. I find advice and recommendations from Rory always to be on point, in my best interests and with the needs of me, my family and my business at the forefront. I highly recommend Brazil Financial Planning
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