Financial Planning for Business Owners & Company Directors
Clear, no-fee advice to help you protect what you have built, plan for the future and create financial security beyond your business.
30+ Years’ Experience
Nationwide Service
Your business shouldn’t be your only financial plan.
Running a business can create exciting opportunities, but it can also bring more financial decisions.
You may be thinking about your pension, protecting your income, preparing for tax, investing surplus funds, protecting the business or creating more personal financial security outside the company.
At Covermore, we help business owners and company directors look at the bigger picture.
Our role is to help you understand where you are now, identify what may need attention and take the next sensible financial step for your business, family and future.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
You may be a business owner or company director who is
Growing a successful business
As income or profits increase, you may have more opportunities to improve your pension, build savings, review protection and create a stronger long-term plan.
Relying heavily on the business for your future
Your business may be one of your most valuable assets.
Putting pension planning on hold
It can be easy to focus on business growth and day-to-day commitments while delaying your own retirement planning.
Supporting a family through the business
Your business income may support your mortgage, household costs, childcare, education plans, savings and future lifestyle goals.
Looking to protect the business
You may be concerned about what would happen if a director, shareholder, partner or key employee could no longer work.
Holding surplus income or profits
You may be deciding whether to retain funds in the business, increase pension contributions, build savings, invest personally or explore other long-term options.
Whether you are growing your business, protecting what you have built or planning for life beyond it, Covermore can help you understand your options and take the next sensible step.
What Matters Most to Business Owner
As a business owner or company director, your personal and business finances are closely connected.
Your income, pension, protection, savings and long-term plans should all be considered alongside the future of your business, helping you build security both inside and outside the company.
Building a pension beyond the business
Your business may provide income today, but a pension can help you build a separate source of financial security for later life.
Protecting your income and familya financial safety buffer
If your ability to work is important to both your household and your business, it can be useful to consider how your family would manage if your income changed or stopped.
Protecting the business itself
Business protection can help you consider the financial impact of losing a key person, shareholder, partner or business owner.
Creating savings for tax and business commitments
Setting aside funds for tax, business costs, quieter periods and future opportunities can help create greater financial resilience.
Building wealth outside the business
Your business can be an important asset, but diversification may also matter.
How Covermore helps business owners and company directors
Financial planning should not feel intimidating.
Start with your business and personal position
We begin with a conversation about your business role, income, household commitments, current financial arrangements and future goals.
Help you identify the next step
You do not need to make every decision at once.
Bring your priorities together
We help you look at pensions, protection, savings, investments and wider financial planning as part of one clearer picture.
Explain options in plain English
Financial planning should not feel more complicated than running the business itself.
Your next smart financial steps as a business owner
Financial services can feel overwhelming.
The 7 Steps to Financial Freedom makes things simpler. These simple steps give you a clear roadmap to financial freedom, covering the key areas to consider as your life, family, income and goals change.
You may already have some steps in place. Others may need to be reviewed. Some may not be relevant just yet.
Life is full of changes. Our role is to help you always make the next smart financial step.
Step 1: Build Your Emergency Fund
Build a safety buffer of around three months’ net income to help protect against unexpected costs or short-term financial pressure.
Step 2: Protect Your Debt
Protect your mortgage, loans and other debts so they do not become a burden if something happens. Covermore can help you review suitable protection options.
Step 3: Protect Your Income
Protect your income so your mortgage, bills and future plans are supported if circumstances change. Covermore can help you review suitable options based on your occupation and affordability.
Step 4: Protect Your Family
Protect your family with suitable life cover, especially if you have dependants. Covermore can explain your options and help you choose cover that reflects your needs.
Step 5: Build Your Pension
Build or review your pension so you stay on track for retirement. Covermore can help you understand your options, whether you are starting fresh, reviewing an old pension or increasing contributions.
Step 6: Create Savings Goals
Create savings goals for children, education, tax bills, holidays, cars, home upgrades or future plans. Covermore can help you build good savings habits that fit your life.
Step 7: Invest and Build Wealth
Plan for long-term wealth through investments, property, company structures and wider financial planning. Covermore can help you explore suitable options once the right foundations are in place.
Not sure what financial step to take next?
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Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.