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Cash is building up in your business
How could it support your plans?
Investing surplus cash, paying yourself, selling your business or protecting your family: each choice affects both your company and your personal life. I help you review your options with your usual advisers.
Diagnostic in 4 questions · Without contact information · Immediate result
5,0/5 on Google Capital Capital StrategyLeader
Business cash ↗ Remuneration ↗ Holding company ↗ Business sale ↗ Protection ↗ Investing ↗ Pass on your wealth ↗ Protect your wealth ↗ Explore the levers and objectives ↗
× Leading strategy
Your capital Your company may hold more cash than it needs for its day-to-day operations.
The availability really necessary for exploitation. Planned projects and when they need funding. The surplus you can leave invested for longer. The level of risk compatible with each horizon. Salary, dividends, savings and protection affect both your business and your personal finances.
The income needed in the home. Social protection associated with the current status. How much you can actually set aside. How the choices you are considering affect your personal finances. You already have a holding company. Let's review what it is used for and how money moves between your companies and personal accounts.
The current role of each society. Cash flows between the operating company, the holding company and your personal finances. Projects to which the capital must remain available. Coordination with your legal and accounting advisers. wealth decisions made prior to the transaction may change the options available after the transaction.
The actual timing of your business sale. Professional and personal objectives after the operation. The need for liquidity and future income. The specialists to involve before signing. Linking home protection to professional and wealth choices.
Home Protection and Continuity Targets and wealth transfer schedule What should your capital pay for, and when?
The liquidity to be kept in the short term. Projects to be financed in the coming years. The desired diversification and the risks to be reduced. The income to organize according to your horizon. wealth transfer, retreat or change of pace require a clear timeline.
Who you want to provide for, and when. Family protection. Legal and estate planning matters to discuss with your advisers. Capital must be consistent with your projects and protection needs.
Liquidity actually available. Reserve for contingencies and commitments. Visibility on future revenue needs. Discuss this with Gary → 01 Review business and personal finances together Review cash, pay, debt and household needs before making your next decision.
02 Prepare for life after your business Specify the resources needed for your projects, your standard of living and your loved ones after the business.
03 Save time on financial decisions Identify what needs your attention now and what to discuss with your usual advisers.
Planning a business sale or a distribution? Let's review the timing, available options and necessary checks before you commit.
01 My business has cash to invest Your company may hold more cash than it needs for its day-to-day operations. See the questions to consider → 02 I have a holding company You already have a holding company. Let's review what it is used for and how money moves between your companies and personal accounts. See the questions to consider → 03 I am preparing to sell my business wealth decisions made prior to the transaction may change the options available after the transaction. See the questions to consider → 04 I sold my business Your business is sold. What income do you need, and what do you want to do with the proceeds? See the questions to consider → 05 I want to review how I pay myself Salary, dividends, savings and protection affect both your business and your personal finances. See the questions to consider → 06 I'm planning ahead Passing on your wealth, retiring or moving abroad? Start with the dates that matter. See the questions to consider →
Analyze this situation Book a meeting directly
× Your situation
My business has cash to invest Your company may hold more cash than it needs for its day-to-day operations.
Points to be clarified The availability really necessary for exploitation. Planned projects and when they need funding. The surplus you can leave invested for longer. The level of risk compatible with each horizon. Next step Keep the cash your business needs available. Then consider what you can do with the surplus.
Analyze this situation Act III · Decisions are linked
Taking money out of your business also changes your personal finances Paying yourself a dividend, investing cash or selling shares can change your tax position, available cash and family protection. We review these effects together before you decide.
What changes when you make a decision? A choice for your company also affects you personally. For example, a distribution gives you personal cash, but reduces the reserves available to your company.
What should you prepare first? Start with your needs and deadlines. Your household income, planned projects and the sale date help us decide what needs attention first.
Who needs to be involved? Coordinate with your existing advisers. Some decisions must be prepared before an operation or change is initiated.
"It is the overall coherence
Our conviction Your decision In the heart Business cash Keep the cash you need available. ↗ Business sale Prepare your finances before selling. ↗ Remuneration Find the right balance between you and the company. ↗ Holding company Understand how money moves between your companies. ↗ Estate planning Decide who you want to provide for. ↗
× Your business and personal finances
Business cash For example, a distribution gives you personal cash, but reduces the reserves available to your company.
Points to keep in mind Each decision influences others. The right order depends on the situation. The calendar creates or closes options. Analyze this interaction Part IV · Business cash
Business cash:aim for a better Is your cash earning nothing, or locked up for a return you are no longer happy with? I help you explore how to earn more on your surplus while keeping the money your business and projects need available.
Protecting your business Dealing with unforeseen events, without compromising your plans.
Put your surplus cash to work Compare returns after fees, risks and withdrawal conditions.
Discuss my business cash → Higher returns are not guaranteed. The risk of losing capital and access to your money depend on the investments chosen.
01 Operating cash Pay for your company's day-to-day needs. Explore ↗ 02 Reserves for emergencies and projects Build a reserve for unforeseen events and your development projects. Explore ↗ 03 Long-term surplus Seek a better return on capital that the company does not need in the short term. Explore ↗ Discernment
× Business cash
Day-to-day operations What the company needs to function.
Current needs Commitments Operation of the enterprise Analyze this point Part V · Selling your business
Thinking of sellingLet's plan what comes next too Before selling, decide what you will need from the proceeds. After the sale, we help you review how to invest, draw an income and provide for your family.
Talk to Gary Your business Your story, Before Prepare your goals and the timing ↗ Signature Coordinate transaction and schedule ↗ After Reinvest, protect, transmit ↗ Personal wealth Fund the life you want after the sale ↓ Before Decide what you want from the sale Structure, clarify and document your objectives before the transaction. ↗ During Coordinate before signing Bring the advisers handling the transaction into the discussion. ↗ After Put the proceeds to work for you Set aside what you need, review your investments and prepare how you want to pass on your wealth. ↗ Entrepreneurs today, wealth tomorrow Council · wealth transfer · Sustainability
Today a wealth transfer
× Business sale · Before signing
Prepare your goals and the timing Review the schedule, objectives and options before the transaction reduces room for manoeuvre.
Discuss the timing of my business sale → Wealth planning questionnaire
Your situation4 questions To prepare our conversation,
Get more from our conversation You save time and we can focus on what matters to you.
No supporting documents needed An approximate answer is enough to prepare our conversation.
Confidential, with no obligation Your answers stay in this browser. They will not trigger sales calls or emails.
1 Your structure 2 Your priority 3 Approximate amount 4 Your timeframe Step 1 / 4 How is your activity structured today?An approximate answer is enough.
Operating company The operating company for your main business. Operating company + holding company An operating company and a holding company. Holding company A holding company that owns your business interests. Several companies A group of companies or multiple structures. Independent professional / other structure An independent professional practice or another business structure. I am not sure We'll discuss it together. Step 2 / 4 What would you like to discuss first?We can cover other topics during our conversation.
Business cash Remuneration Business sale Investing through a holding company Protection / estate planning Several topics Step 3 / 4 Roughly how much could be involved?An approximate range is enough. No supporting documents are needed.
< 100 k€ 100–250 k€ 250–500 k€ 500 k€–1 M€ > 1 M€ Expected proceeds / business sale Step 4 / 4 When would you like to take the next step?You can change your answers at any time.
Now < 6 months 6–24 months > 2 years Still considering my options Choose an answer to continue.
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Your summary
Here is what we can discuss together Based on your answers, these are the topics to discuss in relation to your business, personal finances and plans.
A starting point for our conversation, with no score or automated recommendation.
Spend 40 minutes with Gary Martins to discuss your priorities, the questions that need a closer look and your next steps.
Talk to Gary — 40 min
5,0/5 on Google Clear my answers and start again Understand your needs Review your business, personal finances and plans together.
Review Identify the decisions that need attention and the trade-offs involved.
Plan Agree on a plan and the order in which to act.
Coordinate Coordinate implementation with the professionals involved.
Act X · Next step
Preparing for yourLet's also discuss Selling your business, paying a dividend or planning a life change? Take 40 minutes to discuss what it means for your personal finances before you commit.
5,0/5 on Google Confidential No obligation 40 minutes × Directly with Gary
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