I
Household cash flow and compensation
What the household actually costs, and how it is funded from a company you own.
Independent financial planning practice
The company is only half of the picture.
Stillpoint works with owners of closely held businesses on the personal financial decisions that sit alongside the company, including household cash flow, reserves, concentration and what a transition would actually require.
Scope of the practice
- Fees
- Charged directly by the practice. No commissions, no referral compensation.
- Products
- None sold. Stillpoint does not manage investments or hold client assets.
- Output
- A written personal picture, usable by you and by your other advisers.
Where the work usually begins
Four situations we recognise
Owners rarely arrive with a financial question. They arrive with a circumstance. These are the ones this practice is built around.
- 01You are thinking about eventually stepping backThe company still runs on your attention, and the personal side of leaving it has never been written down anywhere.
- 02The business is profitable and your personal balance sheet is thinEarnings look healthy on paper while nearly everything you own is the company itself.
- 03Ownership is shared with partners or familyTwo or more households depend on one set of decisions, and their circumstances are not identical.
- 04A sale or payout has already happenedFor the first time the money is outside the business, and the old operating instincts do not translate.
The premise
Most owners have competent advisers who have never spoken to one another.
The accountant sees the company. The lawyer sees the documents. Nobody holds the household, what it costs, what it depends on, and what would have to be true for the owner to be able to step back.
That gap is where decisions get made in fragments, each one defensible on its own. Stillpoint exists to hold the personal picture in one place and keep it current.
The planning work
All four areas ⟶II
Reserves and ownership concentration
Naming the concentration in plain terms and deciding what independence requires.
III
Transition readiness
The personal questions that have to be settled before any exit conversation is useful.
IV
Coordination across your advisers
One place where the personal picture is held while specialists do their own work.
What this practice is not
Saying what falls outside the work is part of the work.
Advice, not products
Stillpoint does not sell financial products, does not manage investments, does not hold client assets and does not receive commissions or referral compensation from any third party.
Written, not presented
The output of the work is a written record of your circumstances, decisions and reasoning, not a slide deck. It is intended to be usable by you and by your other advisers.
Bounded scope
We say plainly what falls outside the practice. Tax, legal, accounting, insurance and investment implementation are performed by professionals you engage directly.
A small number of relationships
The practice is deliberately limited in size. Where the work would not be genuinely useful, we say so at the first conversation rather than after an engagement begins.
- Cash flow · 6 minutesThe number nobody writes downOwner households often cannot state what they cost to run. Everything downstream depends on that figure.
- Ownership · 7 minutesConcentration is not a portfolio questionFor most owners the largest exposure is not in an account statement, and describing it plainly is the first useful step.
- Transition · 8 minutesBefore the exit conversationTransition advice usually starts with the company. Starting with the household changes which outcomes are even worth considering.
Enquiries
The first conversation is about whether this would be useful to you.
Around forty-five minutes. No documents, no account details, no obligation. If the work would not help, we will say so.
Make an enquiry