You understand the balance between risk and reward. Familiar with the world of balance sheets, cash flow forecasts and profit and loss, you have made a success of the world of business. You are used to being in control, which is how you built a successful business. However, you may be experiencing a nagging feeling that your personal financial affairs are not so efficiently managed as your business.

In our experience, most business owners personal and business affairs are interlinked. If your business does well, so do you, so what's the problem? After all you earn a high return on the money you have invested in the business. Profits are rising, your customers keep buying from you and your management team is stable. If your market changes, your business plan has identified contingencies.

But what of your personal circumstances? Where is the plan for:

• when you want to retire?
• the most efficient way to withdraw capital from the business?
• protecting your legacy and providing for your dependants?
• optimising the return from all your financial assets?
• ensuring you are not exposed to excessive financial risk, which could prevent you from securing your future lifestyle?
• securing your business if you or a key member of staff falls ill?