Adrian1B1

✈️ Put Your Business Trip on Expenses ✈️

As a Ltd Company Director, did you know that attending a business conference abroad can be a legitimate business expense? 🌴

That means flights, accommodation and costs directly related to the business purpose of the trip can potentially be offset against your company's profits — reducing your corporation tax bill. 💰

But here's what most directors don't realise — It doesn't stop at travel. Your business can also expense:

🛡️ Relevant Life Insurance — Your company pays the premiums for your life cover as a director. It can be treated as a legitimate business expense, doesn't count as a benefit in kind, and could save you money on corporation tax AND National Insurance. Serious cover, tax-efficiently structured.

💊 Executive Income Protection — If you were too ill to work, how long could your business keep going without you? Your company can pay the premiums, and those premiums can be treated as a business expense. Your income protected. Your business protected. On the company tab.

🏥 Private Medical Insurance — Skip the waiting lists. Your business can fund your private healthcare as a director benefit, expensed through the company.

The bottom line? As a Ltd company director, your business should be working as hard for you as you work for it. 💼

📋 Always speak to your accountant to confirm the tax treatment for your specific circumstances — every business is different.

Thinking about how your business could be structured more tax-efficiently around your protection needs? Drop me a message — happy to have a conversation. 👇

Adrian Benjamin is an Authorised Adviser of Match Mortgages Ltd 14279332. Match Mortgages Ltd is authorised and regulated by the Financial Conduct Authority under number 983246

Working while on holiday 😳😲😳😲

Some people feel it's a bad thing to work while on holiday and you should totally switch off. However not everyone has the luxury of not working while they are away.

For me I do occasionally work while I'm on holiday and my clients really appreciate it and I want to do it as I want to offer a great service.

Some people work while on holiday to not have hundreds of emails when they return; which I completely understand.

If I do work I make sure it does not impact family time. ( Best to work when the family are asleep) So when everyone is awake I'm fully present.

Switching off 100% is also good.

Whether you work or not while on holiday do what works for you. 😁

Greetings from Bali 🇮🇩

This holiday has been everything and more and the people have been so welcoming.

If you do visit Ubud you need to say hi to Nellie 🐘

£75,000,000 and me 😲😲😲😲💷💷💷💷

Timothy Armoo was a guest speaker Terry Blackburn's Wealth Advisers Club and gave some great advice. Timothy also explained how he has grown his businesses.

⭐Age 17: Sold his first major business for £110,000.
⭐Age 27: Sold Fanbytes in an 8-figure deal (valued between £20m–£50m).
⭐Today: A Forbes 30 Under 30 honouree and #1 Sunday Times Bestselling Author.

⭐The biggest takeaway I took was to become a master of your niche.
Timothy’s strategy for Fanbytes wasn't to "do it all." Instead, he focused on one niche at a time—starting exclusively with music labels, then mobile apps, then lifestyle brands. By "niching down" repeatedly, he became the safest, most obvious choice for those specific markets before expanding.

⭐He also shared some "expensive mistakes" that every founder should avoid:
Don’t assume your idea sells itself: You must go out and sell it.
Don’t hire just to "solve the problem quickly": 
Bad hires are more expensive than being understaffed.

⭐Also if you are not using AI everyday you will be left behind.

The importance of income protection 🤕😷😀

Many advisers have struggled to have income protection conversations with clients. This could be due to many factors such as.

🔴 Not understanding the products
🔴 Not knowing which company is best to place the client
🔴 Not having time to have the conversations
🔴 Not wanting to deal with underwriting
🔴 Explaining to clients why the product may look expensive

Whatever the reason maybe if you don't want to write the insurance you should refer the case to another adviser that can.

I've worked with many mortgage brokers and independent advisers that have referred their clients to me, and they liked that I gave a great service and the process was quick and easy for the client.

If you would like to refer your clients to me so I can advice them on protection please let me know 😁

Products I specialise in 🔥🔥🔥

As a Financial Protection Advisor I make sure my clients have the right products to protect themselves, their family, their properties and their businesses.

⭐Life insurance - Protects your family if unfortunately, you were to pass away with a tax-free lump sum.

⭐Critical illness - Provides you with a tax-free lump sum if you are diagnosed with a critical illness such as cancer, heart attack or stroke.

⭐Income protection - Provides you with an income if you can't work due to an accident, illness or sickness.

⭐Family income benefit Gives your family a monthly income if you were to unfortunately pass away.

⭐Key person insurance - Gives your business a tax-free lump sum if one of your important employees pass away.

⭐Relevant life insurance - Life insurance that is paid to you by owning a limited company.

⭐Business insurance - Protects the company if they need to pay any loans or debts.

I'm going back to University to get my MBA 🎓📚🎓📚

The last time I was in university was 2009 (Showing my age here) and I wanted to go back not just to learn more but to improve my business and help my clients.

I am proud to be part of MBA 30 cohort 11 in partnership with and accredited by . Darren Miller & Gabriel Osamor, IMC are on a mission to help as many entrepreneurs as possible to get access to excellent education and business mentors.

Yesterday Henrik Nordvall the CEO of H&M UK and Ireland spoke about the importance of asking as many questions as possible and how to lead teams. Henrik started out as a graduate with no experience and has worked in 9 countries such as Finland and the Philippines; and worked his way up to be CEO.

Larry Sullivan taught us the importance of hiring the right people and making sure their values were the same as the company. Larry also has a passion for giving back to people who need it in an empowering way.

I'm looking forward to learning more and getting to know my classmates better. If anyone is thinking of going back to university or studying for a course. Go for it.

Real Generational Wealth💷💷💷💷

⭐️ I had a client meeting at a young man's flat yesterday in Canary Wharf and it was amazing to see what he had achieved in such a short period of time. He has sacrificed and worked hard to create a multi- million pound business.

⭐️ But he was more concerned with leaving a legacy even though he is in his early 30's and does not have a partner or children.

⭐️ It was great to see his forward thinking; and it's my job to implement this plan to make sure there is the right structure of life insurance, a will and trusts.

⭐️ The client had seen the John D Rockefeller life insurance waterfall method on Instagram and wanted to emulate that plan. As I asked more questions I told him he was already living that method and he didn't realise. He was in the second generation of the waterfall method. Now he wants to make sure the third generation is in a better financial position.

⭐️ Having Life insurance is something that benefits the next generation; and allows them to purchase assets such as property to help the family move forward financially.

If you want to make sure your family's financial future is structured correctly please let me know. 😁