Advice for owners, directors and key people.

Plan for growth, protect the business, and make smart decisions without losing sight of your personal goals.

For you & your business

Make the business work harder for you.

Whether you're building a company, running an established firm or preparing to exit, we help you connect business decisions to the bigger picture: cashflow, tax efficiency, resilience and long‑term outcomes.

Not sure where to start?

Begin with a conversation. We'll map what matters most, then suggest practical next steps you can feel good about.

See our process

What you can expect

Joined‑up adviceWe look at the business and personal plan together, so decisions support both.
Risk made practicalKey people, shareholders and income streams protected where it's appropriate.
Decisions you can defendClear rationale, costs and trade‑offs explained so you can act confidently.

Preparing for exit?

We'll help you align business value, succession and personal financial independence.

Read common questions

Business services

Built for owners, directors and key people

Advice that helps you manage risk, plan efficiently and keep control while staying focused on running the business.

Shareholder protection

Help protect ownership and control if a shareholder dies or becomes seriously ill - with clear options and structure.

Succession & exit planning

Prepare early: value, timing, income needs, and what “enough” looks like - so you can choose your exit, not rush it.

Investment planning

Strategies aligned to time constraints, risk and your wider plan.

Group benefits & employee protection

Support retention and resilience with benefits that make sense for your team and budget.

Director & company pensions

Use pension contributions strategically for directors and the business, balancing retirement goals and cashflow.

Key person protection

Plan for the financial impact if a key individual can't work - to protect profitability and business continuity.

How it works

A clear plan that doesn't slow you down

We keep it efficient: understand what matters, map priorities, design recommendations, then review regularly so the plan stays relevant.

Prefer a quick review first?

We can start with a high‑level review to identify gaps and opportunities, then prioritise next steps.

Get in touch

FAQs

Common business questions

If you don't see your question here, get in touch - we'll be happy to help.

Yes. We often support directors and owners who want to connect business decisions to personal goals - including pensions, protection and long‑term planning.

Where appropriate, yes. Business planning works best when advice is consistent across tax, legal and financial considerations.

Not at all. Smaller businesses can be more vulnerable if a key person is unable to work.

Yes. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Speak to an adviser

Find out how we can help you on your journey

Address

Chaldon Fox Associates Ltd

Bourne House, 475 Godstone Road

Whyteleafe, CR3 0BL

Contact

020 8240 6522

[email protected]

Opening Hours

Mon - Fri 9:00 am - 5:00 pm

Sat - Sun Closed