Who this is for: Promoters whose personal net worth sits largely inside the business.
For most owners, the business is the asset, the income and the retirement plan. That concentration is efficient while the business grows and fragile if it stalls.
We map personal net worth separately from business net worth, define a systematic withdrawal and investment discipline, and build a personal portfolio that is independent of business performance.
Over time this creates a second financial base that supports family goals regardless of the business cycle.
Challenges this addresses
- Personal and business finances entangled
- Owner drawings irregular and unplanned
- Personal investments neglected during growth phases
- No personal retirement corpus outside the business
What the engagement includes
- Separate personal net worth statement
- Structured drawing and investment discipline
- Personal portfolio construction
- Protection review for the owner
- Annual personal and business review