Advisory and growth services
Advice to help you make your next move.
Running a business, managing your wealth or planning for the future often brings important financial decisions. We help you understand your options, weigh up the choices and decide what makes sense for you.
Whether you’re looking for funding, planning your retirement, arranging a mortgage or supporting your employees, we’re here to help you move forward.
Right advice to help you make your next move
As your business grows, so do the decisions you need to make about its finances, your employees and your own future. Finding time to review your profits, plan for growth or work out your next funding move isn’t always easy. And while you’re focused on the business, your own pension, mortgage or long-term plans can end up taking a back seat.
Getting the right advice can help you tackle these things before they become bigger concerns. At PJCO, we help you understand where things stand, what needs attention and what to consider next. Whether you want to improve business performance, recruit staff, explore funding or get your personal finances in order, we help you make decisions with a clearer view of the numbers and their impact.
Services we offer
Business advice services
From improving profitability and managing cash flow to planning business growth, we help you understand your numbers and make informed decisions.
Employee benefits services
The right employee benefits can support your team and help you attract and retain good people. We help you consider staffing costs and incentive arrangements in the context of your business goals and financial position.
Mortgage services
We help you get your accounts in order, evidence your income and provide the documents lenders and brokers require. We also work with specialist mortgage brokers to help keep the process moving.
Personal wealth and pension planning
We provide accounting and tax support to help you understand pension contributions, tax considerations and how your business income and assets may contribute to retirement.
Business funding services
We help you prepare accounts, financial forecasts and supporting documents for funding applications, while helping you understand your options and the impact borrowing could have on your cash flow.
Need advice on your next financial decision?
Whether you're looking for business funding or considering your next stage of growth, we're here to help you understand your options.
Why choose PJCO?
Advice that fits your circumstances
We take the time to understand your situation and what you want to achieve before discussing the options available to you.
Practical guidance
We explain financial matters in straightforward language, helping you understand the implications of your choices before making a decision.
Business and personal understanding
We recognise how business decisions can affect your personal finances, and vice versa. Our advice considers the wider circumstances wherever relevant.
Access to specialist expertise
When a decision requires specialist or regulated financial advice, we work with trusted professional partners to help you get the support you need.
Support with important decisions
From raising finance to planning for retirement, we help you consider your options and understand the financial consequences.
A relationship that grows with you
Your needs will change as your business, wealth and family circumstances evolve. We’re here to support you as new questions and opportunities arise.
FAQ
When should I seek business advice from an accountant?
You don’t have to wait until something goes wrong. An accountant can help when profits are falling, cash flow is tight, you’re planning to expand or you need to make a significant business decision. Getting advice early can help you understand your options before committing to a course of action.
Can an accountant help me find funding for my business?
Yes. An accountant can help you prepare financial forecasts, organise your accounts and present the figures lenders need to assess your application. At PJCO, we can also help you understand funding options and consider how repayments could affect your cash flow.
How can I improve my business profits?
Start by understanding where your money is going. Reviewing costs, pricing, profit margins and sales performance can help you identify areas where changes may be needed. We can help you assess your figures, set budgets and track performance to see where improvements are possible.
Can you help me plan my personal finances alongside my business finances?
Yes. Your business income, pension contributions and personal financial commitments can all affect one another. We can help you understand your financial position from an accounting and tax perspective, so you can make informed decisions about your business and personal plans.
What should I consider when choosing employee benefits?
Think about what your employees value, what your business can afford and how the benefits fit your wider goals. We can help you consider the costs and financial implications of employee benefits and reward arrangements, so you can assess what may be suitable for your business.
When should I start planning for retirement as a business owner?
It’s worth starting well before you plan to stop working. Your business may be a significant part of your retirement plans, so it’s important to consider your pension, savings, assets and potential future income. We can help you understand the accounting and tax implications as you prepare for retirement.