As one of the UK’s leading financial planning businesses that successfully transitioned to employee ownership in 2019, we offer a perspective and expertise few others can match. We are uniquely positioned to guide business leaders in making truly informed personal succession decisions.
We believe that a successful EOT transition isn't just about the sale; it's about securing the long-term future for all stakeholders. We prepare a detailed financial model exploring various deferred consideration payout scenarios, including lump-sum vs. phased payouts, timing, and reinvestment strategies – all with a focus on tax optimisation and cash flow management.
We are a B Corp and a values-led firm, and we believe our ethos aligns perfectly with the principles of employee ownership. We are not just advising on a transaction; we are helping to build a more purposeful and prosperous future for everyone involved.
At Paradigm Norton, we believe financial planning should be more than just numbers. It should reflect your personal values, contribute to a better world, and help you achieve your broader life goals.
In Our Words – What We Do and Why
A personal financial planning service for business owners looking to navigate the transition to employee ownership.
Selling your business is a monumental decision. We understand this firsthand because of our own successful transition to employee ownership. This experience gives us a unique, empathetic, and expert perspective on your proposed journey.
If preserving your business's values, securing your team's future, and realising fair value through employee ownership are paramount, our EOT financial planning service is designed specifically for you.
Our comprehensive financial planning service for business owners looking to sell to an EOT includes:
- Comprehensive cash flow modelling of the deferred consideration payout, based on multiple scenarios.
- Investment management. Aligning the investment of the deferred consideration payout with your personal goals and values.
- Tax & estate planning, to ensure adequate protection is in place in the event of death during the deferred consideration payout period.
- Your confidential sounding board. seamlessly coordinating with your legal, accounting, and other business advisers.
Why Choose Paradigm Norton?
We partner with clients who view the transition to EO as far more than just a transaction; they see it as an opportunity to build a better business and contribute to a more positive, sustainable future.
Specifically, our unique advantages include
- Seller-centric expertise. Significant experience in navigating the specific personal financial complexities of an EO transition from the seller's perspective.
- Deferred consideration mastery. Deep understanding of how deferred consideration impacts your personal financial and estate planning.
- Vendor empathy. We truly understand that selling a business is a deeply personal and often emotional decision.
- Experience in leadership transition. We have successfully navigated both ownership and leadership transition.
Our EO Mission
UK Leader in Employee Ownership Financial Planning Solutions. To be the UK's definitive leader in providing innovative and comprehensive financial planning solutions that empower successful and sustainable transitions to employee ownership, aligning financial outcomes with environmental, social, and governance values.
Our Three Top Tips
- In an EOT, the selling owners' personal finances are still intrinsically linked to the company's performance, particularly during the deferred consideration period. We recommend that you model the deferred consideration payment profile cautiously and with a "Plan B" in mind. What happens if the business has a downturn?
- The proceeds from the sale of your purpose-driven business should be invested in a way that aligns with your personal values and priorities.
- Help your employee owners understand the numbers as they then become more engaged and empowered, making better decisions that benefit both the company and their own long-term financial future.
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