Planning and investment for individuals, families and trustees
We support entrepreneurs and business owners in translating business success into a financial strategy that supports life beyond the business.
In this short video, Isaac explains who our services are designed for, the situations they are most useful in, and how we work with business owners at different stages.
Who is this service for?
Business owners building long-term security
Business ownership brings opportunity, responsibility and complexity. Personal finances, business decisions and future plans are often closely connected, and the right approach depends on where you are now and what you are working towards. The services on this page are designed to support business owners at different stages, whether you are building, growing, extracting value, planning a transition or thinking beyond the business altogether.
Entrepreneurs and founders
If most of your time, energy and wealth is tied up in building a business, our services help you think ahead. We focus on how decisions made today affect your future income, lifestyle and options, both while the business grows and beyond it.
Owner-managed businesses
If you draw income, dividends or profits from your company, we help you plan how those flows support your wider life. This includes thinking carefully about extraction, reinvestment and how personal wealth is built alongside the business.
Business owners planning an exit
If you are beginning to think about succession, sale or stepping back, this page covers how we help you understand what different exit routes could mean in practice. We focus on life after the business, not just the transaction itself.
Business owners after a major change
If your circumstances have shifted, such as after a sale, partial exit, new venture or change in personal priorities, our services help you re-establish direction and make decisions with a long-term view.
Families with wealth tied to a business
If business decisions affect wider family security, lifestyle planning or future inheritance, we help ensure those considerations are built into the planning from the outset.
Who is this service for?
Business ownership brings opportunity, responsibility and complexity. Personal finances, business decisions and future plans are often closely connected, and the right approach depends on where you are now and what you are working towards. The services on this page are designed to support business owners at different stages, whether you are building, growing, extracting value, planning a transition or thinking beyond the business altogether.
If most of your time, energy and wealth is tied up in building a business, our services help you think ahead. We focus on how decisions made today affect your future income, lifestyle and options, both while the business grows and beyond it.
If you draw income, dividends or profits from your company, we help you plan how those flows support your wider life. This includes thinking carefully about extraction, reinvestment and how personal wealth is built alongside the business.
If you are beginning to think about succession, sale or stepping back, this page covers how we help you understand what different exit routes could mean in practice. We focus on life after the business, not just the transaction itself.
If your circumstances have shifted, such as after a sale, partial exit, new venture or change in personal priorities, our services help you re-establish direction and make decisions with a long-term view.
If business decisions affect wider family security, lifestyle planning or future inheritance, we help ensure those considerations are built into the planning from the outset.
Investment Planning
& Portfolio Service (IPPS)
Our Investment Planning & Portfolio Service (IPPS) recognises that for business owners, personal wealth and business wealth are deeply connected. We begin by understanding your long-term aspirations—what a life well lived looks like for you and your family—and how your business fits into that vision. From there, we build a flexible long-term plan that reflects your goals, risk preferences and future cashflow needs.
Using our in-house long-term forecasting system, we model good, expected and poor market scenarios to show how your plan performs over time. This helps you make confident decisions around extracting profits, planning for growth or eventual sale, and aligning your investment strategy with the life you want after the business.
- I.IA personal, ongoing relationship
- I.IISupporting you as life and business evolve
- I.IIIIntegrated options when needed
- I.IVFor the long term, beyond the business
Beyond the sale workshop
Our Discretionary Model Portfolio Service (DMPS) is an optional ongoing service designed to work alongside and enhance your Investment Planning & Portfolio Service (IPPS). While the IPPS sets your long-term investment strategy, the DMPS ensures your portfolio is actively managed throughout the year to stay aligned with that strategy — without requiring your ongoing approval for each decision.
- I.IExploring life after the business
- I.IIModelling different exit outcomes
- I.IIIUnderstanding sustainable lifestyle choices
- I.IVAssessing long-term financial security
- I.VInformed decisions before a sale
Discretionary Model Portfolio Service
Our Discretionary Model Portfolio Service (DMPS) is an optional ongoing service designed to work alongside and enhance your Investment Planning & Portfolio Service (IPPS). While the IPPS sets your long-term investment strategy, the DMPS ensures your portfolio remains aligned with its agreed investment strategy throughout the year — without requiring your ongoing approval for each decision.
- I.IProactive management, fully aligned with your plan
- I.IIAlways-on governance and quarterly rebalancing
- I.IIIInvestment styles selected to reflect your preferences
- I.IVHelping you stay disciplined and confident
- I.VSimple, transparent and only added when it helps
Cash Management Service
Our Cash Management Service is an optional ongoing add-on to the Investment Planning & Portfolio Service (IPPS), designed for clients who want their cash managed with the same care and discipline as their long-term investments. It can also be taken as a standalone service (at a higher cost), and is suitable for individuals, trusts and business owners.*
- I.IV.IA disciplined cash strategy built around your needs
- I.IV.IIProactive management throughout the year
- I.IV.IIIOne point of contact, no admin, no chasing
- I.IV.IVIntegrated with, but distinct from your long-term plan
Ethical Investment Screening Service
Our Ethical Investment Screening Service is an optional ongoing add-on to the Investment Planning & Portfolio Service (IPPS), designed for clients who want their investment portfolio to reflect their personal ethical convictions in a more bespoke and meaningful way. While our standard services (including the Discretionary Model Portfolio Service) already accommodate broad sustainability and ESG approaches, some clients want something deeper, more specific and more personal. This is where our ethical screening service comes in.
- I.IV.IA personalised ethical investment policy
- I.IV.IIIntegrated directly into your IPPS
- I.IV.IIIClear expectations, carefully managed
- I.IV.IVA values-led service for all client types
- I.IV.VCoordinated with legal and tax advisers
A structured, long-term approach
A thoughtful, relationship-led journey designed to give you clarity, confidence, and long-term support.
Initial conversation
We begin with a no-cost conversation to understand your circumstances, priorities and what you are planning for.
Planning
We develop a clear long-term plan and portfolio based on your goals, responsibilities and future cashflow needs, set out in your personalised IPPS report.
Implementation
Once agreed, we put everything in place on your behalf, coordinating with providers and handling all administration and setup.
Ongoing oversight
Your plan is reviewed and updated over time as circumstances change, with regular reviews, refreshed forecasts and ongoing access to your adviser.
Our philosophy
Randalls exists to help people use their wealth with purpose. We focus on long-term planning and disciplined investment thinking, shaping strategies around real lives, responsibilities and future ambitions rather than short-term market movements.
Our approach brings rigorous forecasting and evidence-based modelling together with a clear acknowledgement of uncertainty. By planning across a range of possible outcomes, we support well-informed decisions designed to stand up over time.