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Financial planning for self-employed professionals — Financial adviser — Professionals
Providers should establish the client's business form, income pattern and intended advice activity. Separate cash-flow organisation from tax, investment, pension or insurance recommendations and coordinate with existing specialists where appropriate.
Service scope
Planning support for the interaction between variable business income and personal financial goals. Budgeting, business cash management and regulated recommendations are separate activities, and the provider must identify which are included rather than combining them under a broad label.
What is normally included
- Variable-income planning review
- Personal and business-goal coordination
- Scoping specialist financial advice
What is not included
- Universal income assumptions
- Tax advice automatically included
- Guaranteed financial stability
Qualification checks
- Define client and business structure
- Identify income timing
- Distinguish personal and business records
- Confirm advice permissions
- Agree specialist interfaces
Quote guidance
Price record review and planning sessions according to the stated scope. Identify specialist advice, implementation and ongoing reviews separately rather than presenting one package as covering all financial affairs of the business and owner.
Lead risks
- Drawings may not reflect sustainable income
- Records may mix company and personal transactions
- Existing accountant involvement may be unclear
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