The cornerstone of any company's success is the people. Chances are, you haven't thought about protecting those key people who make your business what it is. But how would you cope financially in the event of a key person becoming seriously ill or even dying?

Key Person Cover is designed to insure against such an event, enabling contingency measures to be implemented, minimising the impact on your operations and resources.

If you run a limited company, then you will know that shareholders are an integral element in the fortunes of your business. Shareholders, by their very nature, show faith in your vision of success but if you lose one, it can have huge repercussions on turning visions into reality.

Thankfully, the right planning can help you safeguard your limited company shares.

A good partnership is based on working well together, complementing each other's skills and being able to rely on the people you work with. Once you have got these in right, your business can move forward confidently.

So doesn't it make sense to safeguard your partnership against the unexpected twists and turns in life. If one of your partners became seriously ill or died partnership rights could be passed to a stranger.

To avoid any risk of this situation arising and to be certain of retaining control you need to establish a legal framework that gives you the right to purchase your former partners share.

A lot of people who run their own business expect to look after themselves in retirement by selling the company. But could there be a way to give yourself a healthy income in the future that benefits your business today?

The answer is undoubtedly "yes". Archer Bramley can guide you through the pension maze and advise you on a whole range of pension issues, planning income for your own retirement and that of your employees.