Pension Advice for Business Owners
Build a tax-efficient pension strategy that helps you extract profits, protect your business, and plan your future with confidence.
Running a business takes vision, passion and persistence—but what about your own financial future? Many business owners focus on growth and profits but overlook how to turn that success into lasting personal wealth.
At Amber River, we specialise in pension and retirement planning for business owners. Our independent advisers help you extract profits efficiently, reduce tax, and build a pension plan that works as hard as you do.
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Talk to an Amber River financial planner today and discover how to make your business and pension work hand in hand.
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Why business owners choose Amber River
- Tax-efficient pension and profit extraction strategies
- Advice tailored to your company structure and goals
- Guidance on exit planning, succession, and protection
- Independent, FCA-regulated financial planners
- Decades of experience supporting UK business owners
We’ll help you connect your business success with your personal future.
Plan today for the freedom you want tomorrow
You’ve worked hard to build your business. Now it’s time to make sure it works for you.
Amber River’s independent financial planners help you take control of your future—combining smart pension planning, business protection, and long-term wealth management.
Book your free consultation
Speak with a local Amber River financial planner today and start building your financial future.
Make your business work for you
Your business is your greatest asset—but relying on it alone for your retirement can be risky. The right pension strategy can:
- Reduce corporation and income tax
- Grow long-term wealth outside your business
- Protect your income and key people
- Create a smooth path to exit or retirement
Whether you’re a limited company director, partner or self-employed professional, we’ll help you find the right pension structure—from Director Pensions and SIPPs to SSAS schemes.
Trusted by thousands of business owners
The Amber River group has helped business owners across the UK create financial clarity and confidence for the future. We understand your challenges—and we’ll help you plan for what’s next.
Plan beyond the day-to-day
As your business evolves, so will your goals. Our advisers work with you to create a complete financial plan that supports every stage of your journey:
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Your business journey has been a success—now let’s plan the next chapter.
Book a conversation with one of our independent financial planners and start creating the future you’ve worked so hard for.
Frequently Asked Questions
Why do business owners need a pension?
Many business owners assume their company is their pension. But depending solely on your business for retirement can be risky. A dedicated pension allows you to extract profits tax-efficiently, build personal wealth outside your business, and protect your financial future—no matter what happens to your company.
What’s the most tax-efficient way to pay into a pension as a business owner?
If you’re a limited company director, employer pension contributions are usually the most tax-efficient option. These payments can be made directly from your business before corporation tax, reducing your company’s overall tax bill. Your financial adviser can help you balance company and personal contributions for the best outcome.
Can my company pay into my personal pension?
Yes. Your company can make contributions into your personal or director pension on your behalf. These contributions are considered an allowable business expense, which can help reduce your corporation tax liability—while building your long-term savings.
What’s the difference between a SIPP and a SSAS?
A SIPP (Self-Invested Personal Pension) is ideal if you want flexibility and control over your investments as an individual. A SSAS (Small Self-Administered Scheme) is usually set up by company directors for themselves and key employees, allowing investments such as commercial property or even loans to the business. An adviser can help you choose which is right for your goals and company structure.
Can I use my pension to invest in my business?
Potentially, yes—if you have a SSAS pension. SSAS pensions can lend up to 50% of their value back to the sponsoring employer or purchase commercial property used by your business. These decisions should always be guided by an independent financial adviser to ensure compliance and tax efficiency.
What happens to my pension if I sell my business?
When you sell your business, your pension remains yours. In fact, a well-structured pension can help you extract proceeds from the sale in a tax-efficient way. Planning ahead means you can transition smoothly, converting your hard work into long-term financial security.
How much should I contribute to my pension?
There’s no one-size-fits-all answer. The amount depends on your income, business profits, and retirement goals. As a guide, many business owners aim to contribute enough to replace around two-thirds of their current income in retirement—but a planner can help you calculate the exact figure for your circumstances.
What if I don’t have a pension yet? Is it too late to start?
It’s never too late to start. Even if you’re in your 50s or nearing exit, there are strategies to make the most of available tax reliefs and allowances. A financial planner can help you fast-track contributions and integrate your business exit or sale proceeds into your retirement plan.
Can Amber River help with exit and succession planning too?
Yes. Our advisers work closely with business owners on exit strategies, profit extraction, and succession planning—ensuring your personal and business finances are aligned. We’ll help you protect your wealth, reduce tax exposure, and plan a smooth transition to the next stage of life.
How do I get started?
It begins with a free, no-obligation conversation. One of our independent financial planners will take the time to understand your business, goals, and challenges before creating a personalised pension and financial strategy.
Small, but important print
Registration Number 03776035
Registered in England and Wales
Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.
You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.
The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.
The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at www.financial-ombudsman.org.uk
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Amber River Group Limited is a private limited company incorporated in England and Wales with company number 11942058 | Registered office: Level 4, Dashwood House, 69 Old Broad Street, London EC2M 1QS