Business Exits
& Sales
Selling a business is the most significant financial event in most owners' lives. The decisions made before, during, and immediately after a sale have a lasting impact on personal wealth.
What We Address
What's at stake in a business sale
Minimising capital gains tax on the sale proceeds
Deciding how much to take as cash versus reinvesting into new assets
Maximising pension funding before and immediately after the exit
Understanding IHT implications of a sudden increase in personal wealth
Structuring the deal to qualify for Business Asset Disposal Relief
Planning for life after the business — income, purpose, and legacy
How We Help
Before, during, and after the sale
Pre-Sale Tax Planning
The best time to plan a business exit is years before it happens. We help you structure your affairs to maximise Business Asset Disposal Relief and minimise unnecessary CGT.
Pension Maximisation on Exit
A business sale creates a one-off opportunity to make significant pension contributions from the proceeds — potentially sheltering a large portion from tax entirely.
Post-Sale Wealth Management
Turning a lump sum into reliable long-term income requires a carefully constructed investment strategy. We build portfolios designed to sustain your lifestyle for decades.
IHT Planning for New Wealth
Business property relief disappears on a sale. We model your new IHT position immediately and put a plan in place before the liability compounds.
10%
CGT rate under BADR (vs 24% standard)
£1M
BADR lifetime limit per individual
£60k+
pension input on exit year
40%
IHT rate we help you plan around
Explore Further
Related planning guides
Selling a Business — Financial Planning Advice
The financial planning decisions made before a business sale are often more valuable than those made after.
Read guideInvesting a Lump Sum
Making the right decision with a significant sum of money requires a clear head, a structured process, and independent advice.
Read guideRetirement Income Planning
A successful retirement income strategy balances security, flexibility, and tax efficiency — for however long you need it.
Read guideInheritance Tax on Property
For many UK families, the family home is now the primary driver of inheritance tax exposure.
Read guideTrusts Advice
Trusts can be powerful planning tools — but they need to be structured correctly to deliver their intended benefits.
Read guidePension Consolidation Advice
Bringing your pension history together — so you can see the full picture and plan with confidence.
Read guidePlanning now protects what you'll receive.
The earlier you engage with exit planning, the more options are available. We work alongside your accountant and solicitor to ensure the financial plan is properly co-ordinated.
Castle Stonebridge Limited is an Appointed Representative of Rosemount Financial Solutions (IFA) Limited, which is authorised and regulated by the Financial Conduct Authority. Rosemount Financial Solutions (IFA) Limited is entered on the Financial Services Register under reference 535515.
Investment & Pensions Risk: Capital is at risk. The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Past performance is not a reliable indicator of future results.
Regulatory Notice: Estate and inheritance planning is not regulated by the Financial Conduct Authority.