Build, protect and enjoy the wealth your business creates — with a plan that works for you and your family.
Running a business is rewarding, but it also makes your finances more complicated. Your income may be uneven. Your tax decisions carry more weight. And much of your “wealth” can end up tied up in the business itself.
At Ifamax Wealth Management, we help business owners in Bristol bring clarity to the bigger picture — so you can make confident decisions around tax efficiency, investment strategy, retirement planning and long-term financial security.
Independent, whole-of-market advice. Structured planning. Ongoing support.
Why business owners need a different type of financial plan
Most business owners don’t have a wealth problem — they have a structure problem:
Profit sits in the company, but personal plans are unclear
Tax planning is reactive, not joined up
Retirement planning is left too late (or over-reliant on the business sale)
Cash builds up without a clear investment policy
Protection (personal and business) is overlooked until it’s urgent
Succession and exit planning isn’t aligned to lifestyle goals
A strong plan pulls everything together: business, personal and family wealth — all in one direction.
What we help with
1) Turning profit into long-term personal wealth
We help you make smart decisions about what you take from the business and how you build wealth outside it, including:
Tax-efficient remuneration planning (in conjunction with your accountant)
Using pensions and ISAs effectively
Building an investment strategy for surplus cash (personal and/or corporate where appropriate)
Avoiding “cash drag” without taking unnecessary risk
2) Retirement planning that doesn’t rely on “selling the business someday”
Many business owners assume the business will fund retirement. Sometimes it does — but it’s risky to base everything on one future event.
We help you create a retirement plan that can stand on its own, with:
A clear retirement income target
A sustainable investment and withdrawal approach
Contingency planning (what if exit takes longer, or the sale price is lower?)
3) Protecting the life you’ve built
Business success can be undone quickly by a health event, a key person issue, or a lack of planning.
We help you review protection needs across:
family protection and income resilience
key person cover and shareholder protection (where relevant)
ensuring existing policies remain fit for purpose
4) Estate planning and passing wealth on efficiently
Once wealth starts to build, “what happens to it” becomes just as important as “how it grows”.
We can support long-term planning around:
pensions and beneficiary nominations
IHT-aware structuring and use of allowances
working alongside solicitors on wills and trusts (where appropriate)
Who this is for
This page is designed for business owners in Bristol who want:
joined-up planning, not product talk
a clear plan for retirement and financial independence
tax efficiency without aggressive schemes
independent advice with ongoing oversight
a trusted partner who can coordinate with their accountant/solicitor
The Ifamax approach
We don’t start with investments. We start with your goals, your business reality, and what you want money to do for you.
Our role is to help you build:
Clarity — what you’re aiming for, and when
Confidence — decisions backed by a structured plan
Control — a financial strategy that adapts as life and business change
You’ll get advice that is designed to be practical, measurable and easy to revisit.
What to expect: a simple process
Step 1 — Discovery call
A relaxed first conversation to understand your situation and goals, and to confirm whether we’re the right fit.
Step 2 — Planning & analysis
We’ll map your current position and opportunities, and build a plan aligned to your personal and business objectives.
Step 3 — Implementation
We put the plan into action in a structured way — not everything at once, and not unnecessarily.
Step 4 — Ongoing advice
Your circumstances will change — and your plan should evolve with them. We provide ongoing reviews, adjustments and guidance.
Why independent advice matters
Ifamax provides independent, whole-of-market financial advice, meaning we are not tied to any product provider. Recommendations are based on what is right for you and your situation.
Book a discovery call
If you’re a business owner in Bristol and want a clearer plan for how to turn business success into long-term personal security, we’d be happy to help.