Running a Ltd company together changes how your money works. Income, tax, protection and retirement all end up tied to the business, and most financial advice isn't built with that in mind.
One of you sees an adviser. The other doesn't. Decisions about the business, its profits and its risk get made without a full financial picture on either side.
Start with the free Couples Finance Score or book straight in, then get matched into the specialist sessions that actually apply to your situation.
Damian founded the firm in 2008. Romany, his daughter, is now a financial adviser in the business and part of the ownership too. We've sat on both sides of the conversations about money, risk and fairness that come up when family and business overlap, so we know what they involve.
Lisa, Damian's wife and Romany's mum, looks after compliance across the business. And Matthew and Romany are partners themselves, so between us there's more than one couple in the business living out exactly what we advise on.
Based on your Couples Finance Score or your discovery call, you're matched into the sessions that are relevant to you. Each one is led by whoever owns that part of the plan.
A few reviews from clients we've worked with, while we build up reviews specific to co-director couples.
A short discovery quiz for you both. Takes five minutes, no commitment, and shows where you're strong, where you're exposed, and which specialist session would help most.
Take the free scoreSkip straight to a conversation with us. Both of you, one discovery call, covering the business and your personal finances side by side.
Book a discovery callTake the free Couples Finance Score to see where you stand, or skip ahead and book a discovery call directly. Either way, both of you together.
Based on what comes up, you're matched into the specific sessions that matter: protection, mortgages, or pensions and investments.
Everything comes together in a single plan for both of you and the business, rather than two separate sets of advice.
After your discovery call, you'll get a written report summarising where you both stand and what we'd recommend next, so nothing said in the room gets lost.
It's yours to keep whether or not you go ahead with us. Think of it as a clear, jargon-free record of the conversation rather than a sales pitch.
See a sample reportA free five-minute discovery quiz you both complete together. It isn't advice, just a quick way to see where you're covered, where you're exposed, and which of our specialist sessions would suit you best.
No. It's there if you're not sure where to start, but you're welcome to book a discovery call directly at any point.
Yes. The Score and your discovery call are both designed around both directors being involved, since the business and your personal finances are looked at together.
It's built around co-director couples running a Ltd company together, but the same approach works for any pair of directors managing joint personal finances.
Yes. In Business Together is a trading style of NeedingAdvice.co.uk Ltd, which is an appointed representative of Rosemount Financial Solutions (IFA) Ltd, authorised and regulated by the Financial Conduct Authority. You're protected by the Financial Ombudsman Service and the Financial Services Compensation Scheme.
Take the free Couples Finance Score, or book your discovery call straight away.