Smarter Business Structuring and Wealth Planning

Secure your balance sheet, protect surplus cash, and plan your business succession with expert corporate architecture.

Ring-fence surplus assets

Protect cash reserves from trading risks

Minimise long-term tax

Clear holding company and group strategies

Secure your family legacy

Structured succession and IHT planning

Structuring your business for growth, protection, and legacy

At Palmers, we understand that building a £2m+ business requires focus, resilience, and strategic foresight. As your company grows, so do the complexities of your balance sheet, surplus cash, and long-term legacy.

We offer bespoke business structuring solutions designed specifically to protect commercial assets, manage tax exposure, and transition wealth smoothly to the next generation.

Protect Your Commercial Legacy

Running a successful trading company often means accumulating surplus cash and valuable assets. Left unprotected within a single trading entity, those reserves can be exposed to commercial liabilities or face heavy tax friction down the line.

We understand your sector and are experts at optimising business structures for owner-operators looking to safeguard their life’s work.

Holding Company & Group Restructuring

Establishing efficient group structures to ring-fence trading risks from investment assets.

Family Investment Companies (FICs)

Modern corporate wrappers designed to hold wealth, manage Inheritance Tax, and pass growth to children

Business Succession & Estate Planning

Aligning your corporate balance sheet with personal legacy goals ahead of retirement or inter-generational transfer.

Surplus Cash Extraction & Management

Moving retained earnings out of trading companies tax-efficiently into secure holding environments.

Problems We Solve for Established Business Owners

We help business owners explore the most appropriate structures to manage their trading activities, protect assets and plan for the future.:

Our surplus cash is exposed to trading risks.

How we solve it: We design and implement holding company structures and ring-fencing strategies, separating your core trading operations from accumulated cash, property, and capital reserves.

IHT and Business Relief caps are threatening my succession plan.

How we solve it: Recent legislative shifts—including changes to Business Relief caps—mean traditional planning needs a refresh. We help you cap your estate value and protect family wealth.

I want to pass value to my children without losing control.

How we solve it: Through bespoke corporate vehicles like Family Investment Companies (FICs), we structure share classes that separate voting control from capital growth.

My group structure has become bloated and inefficient.

How we solve it: We streamline multi-entity groups, rationalising dormant subsidiaries and optimising inter-company flows to reduce administrative drag and tax inefficiencies.

I need joined-up advice between my accountant, solicitor, and planner.

How we solve it: Palmers acts as your commercial anchor, working collaboratively with your legal and financial advisors to ensure your corporate architecture is airtight.

Who We Support

Our corporate structuring services are tailored for a wide range of providers

Established Trading Business Owners

Looking to ring-fence surplus profits and prepare for a tax-efficient exit or family succession.

Property Portfolio Owners

Seeking to transition from personal property ownership into structured corporate or collective holding vehicles.

Multi-Generational Family Enterprises

Needing robust governance, clear share classes, and protection against unintended dilution or family disputes.

I have worked with a couple of different accountants since setting up my business, both were excellent at what they do but neither provided the insightful information on my business that Palmers have. I can see at a glance the revenue drivers, profitability, average order value, customer retention rate and net worth of the company, plus plenty of other useful detail. These are all vital to help me grow my business.

Palmers have been my accountants since I first started my business; they have helped me find my feet and been a huge support. The team are able to explain even the most complex accounting concepts in plain English and always offer no-nonsense, pragmatic advice on broader areas than purely accountancy.

I love working with Palmers Accounting, they treat my business like it’s their business.

Palmers has provided me with invaluable advice and support as my business has grown and evolved. I’ve worked with them since setting up my business and the team is fantastic. They've looked after all my day-to-day accountancy needs whilst also providing insightful reporting; helping me to manage my business effectively. I’d highly recommend working with them.

When we decided to start a new business venture and buy the freehold to our local pub, the advice and guidance Adam and the team at Palmers provided was invaluable. From advising on the right company structure and setting up our operation and securing a significant VAT refund, Adam has been instrumental in ensuring we have the thriving business we always dreamed of.

Quick Queries

We want our clients to pick up the phone or send an email without worrying that the clock has started ticking.

At Palmers Accounting, we include complimentary quick queries within all of our service packages. If your question takes us less than 30 minutes to answer, there’s no additional charge.

We want our clients to pick up the phone or send an email without worrying that the clock has started ticking.

Why Choose Palmers?

We are specialists who understand corporate architecture and how to protect your business legacy.

The Palmers corporate structuring support is designed to give business owners the high-level strategic alignment usually reserved for large corporate groups, delivered with the personal, commercial touch of a dedicated partner.

Benefit from

Tailored Holding Company & Group Design
Advanced Business Relief & Succession Strategy
Seamless Collaboration with Legal & Financial Planners

Helping business owners structure their companies tax-efficiently

Our services are tailored to provide specific accounting for property investment businesses, including VAT support, R&D tax credits, and growth planning.

Whether your property portfolio is located near our office in Tring, Hertfordshire, or across the UK, we can assist you with your finances.