Pinnacle Wealth Management LLP

Which exit strategy are you working towards for your business? Is it all about the journey, the finish line or both?

Route 1
Income focus – targeting smart profit extraction, achieving personal wealth sooner and education on investments.

Route 2
Equity focus. It’s about the end point - selling the business. You want to create wealth in the business but you’re not looking to invest outside of it.

Route 3
Creating a lifestyle business today – Your priority is to have all the quality time you want for your family and personal interests.

Route 4.
Ah. The structured outcome - A measured combination of all three goals to create a healthy balance of ambition and lifestyle.

Our LifePlan has been created to turn ambitions into a planned reality. When it comes to your business, don’t chase the wrong goal.



Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.

Pinnacle Wealth Management LLP is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 04/06/2026

A recent report by the government-backed Pensions Commission suggests that just 4% of wholly self-employed workers are regularly paying into a pension.

Just 4%. You read that right.

The report also states that 15 million people in the UK may not currently be saving enough for retirement, with that figure potentially rising to 19 million without action. That could mean almost half of working-age adults face a significant shortfall later in life.

Particularly concerning were the findings relating to:
• lower and middle-income households relying solely on minimum auto-enrolment contributions
• pension gaps affecting women, with average private pension savings around half those of men approaching retirement
• people accessing pension pots early to cover immediate costs such as holidays, renovations or cars

With increasing day-to-day financial pressure on future retirees, this is a problem many people are continuing to push further down the road.

If you know someone who may be putting off paying into a pension because of current financial pressures, perhaps have a quiet word with them.

A conversation today could make for a very different tomorrow.

Department for Work and Pensions, Britain is undersaving for retirement warns Pensions Commission, 19 May 2026
Pinnacle Wealth Management LLP is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 04/06/2026

“Individuals who own a business should be reaping the rewards from day one for their courage and tenacity, not creating a life sentence of stress while they wait for the day they can escape.”

Bradley Adams, Head of Business Financial Planning at Pinnacle.

We see this time and time again. When you are chasing the right goal for your business, the path becomes much clearer. Read more from Bradley and Pinnacle’s approach to business financial planning, click here: https://www.pinnaclewealth.co.uk/no-one-should-start-a-business-just-to-give-themselves-a-job/

Pinnacle Wealth Management LLP is an Appointed Representative of and represents only St. James's Place Wealth Management plc which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 24/02/2026