Financial planning for maternity leave as a business owner.
Financial planning for maternity leave as a business owner.
Thoughtful, structured financial support to help you prepare for time away from your business — with clarity and confidence.
Taking maternity leave when you run a business is very different from being employed.
With the right financial structure in place, you can step away from your business feeling prepared, supported and in control.
who this is for.
Limited company directors
Sole traders
Female founders planning maternity leave
Business owners wanting clarity before stepping back
without structured planning, it can feel uncertain.
How much can you afford to pay yourself?
Are you eligible for maternity pay?
How much do you need to set aside?
What will your tax position be?
How will your income change?
how i support you.
Every business — and every maternity journey — is different.
I provide tailored financial planning based on your business structure, income and future plans, so you can move forward with clarity rather than uncertainty.
My approach is practical, structured and designed to give you a clear understanding of your financial position before, during and after your maternity leave.
For Limited Company Directors
If you run your business through a limited company, your income and tax position require careful planning.
I support you with:
• Reviewing your salary and dividend structure ahead of maternity leave
• Assessing eligibility for Statutory Maternity Pay (SMP)
• Planning the most tax-efficient way to extract income
• Forecasting the impact on corporation tax
• Reviewing business expenses during your leave
• Cashflow modelling to understand how your income and business finances will evolve
This ensures your personal income and business finances are aligned and sustainable.
For Sole Traders
If you operate as a sole trader, your income is directly linked to your business activity — making forward planning especially important.
I support you with:
• Guidance on Maternity Allowance and eligibility
• Forecasting your income before and during your leave
• Planning for upcoming tax liabilities
• Identifying how much to set aside in advance
• Structuring payment timings where possible
• Creating a clear plan to support financial stability during your time away
This helps remove uncertainty and gives you a clear financial plan to work from.
clarity through financial planning.
A key part of this service is helping you see the bigger picture.
Rather than guessing how things might look, we map out your financial position clearly — so you understand what to expect and can plan with confidence.
BEFORE LEAVE
• Current income and profit levels
• Salary and dividend structure (if applicable)
• Upcoming tax liabilities
• Savings position and preparation
DURING LEAVE
• Expected business income
• Personal income options
• Maternity pay or allowance
• Reduced or paused business activity
• Ongoing expenses and commitments
AFTER RETURN
• Transition back into the business
• Income recovery planning
• Adjusting salary or drawings
• Future tax implications
• Longer-term financial position
This structured approach allows you to understand your options clearly and make informed decisions — giving you confidence in both your finances and your time away from the business.
Following our conversation, I carry out a detailed review of your financial position.
This includes looking at your income, business structure, tax position and upcoming changes, before building a clear, structured plan tailored to your circumstances.
Where relevant, this will include cashflow projections, income planning and scenario modelling.
We begin with a short, relaxed call to understand your business, your current financial setup and your plans for maternity leave.
This is an opportunity to talk through where you are now, what you're unsure about, and what level of support would be most helpful.
There’s no pressure — it’s simply a chance to explore whether this service is right for you.
We then walk through your plan together in a dedicated session.
I’ll explain everything clearly — including your options, key decisions and any recommended actions — so you feel fully confident in how your finances will work during your maternity leave.
There’s space to ask questions and talk through anything in more detail.
If you’d like continued support, maternity planning can be incorporated into ongoing services such as Momentum or Elevate.
This ensures your finances remain structured and supported as your business evolves before, during and after your return.
how it works.
-
We begin with a short, relaxed call to understand your business, your current financial setup and your plans for maternity leave.
This is an opportunity to talk through where you are now, what you're unsure about, and what level of support would be most helpful.
There’s no pressure — it’s simply a chance to explore whether this service is right for you.
-
Following our conversation, I carry out a detailed review of your financial position.
This includes looking at your income, business structure, tax position and upcoming changes, before building a clear, structured plan tailored to your circumstances.
Where relevant, this will include cashflow projections, income planning and scenario modelling.
-
We then walk through your plan together in a dedicated session.
I’ll explain everything clearly — including your options, key decisions and any recommended actions — so you feel fully confident in how your finances will work during your maternity leave.
There’s space to ask questions and talk through anything in more detail.
-
If you’d like continued support, maternity planning can be incorporated into ongoing services such as Momentum or Elevate.
This ensures your finances remain structured and supported as your business evolves before, during and after your return.
The aim is to make this process feel calm, clear and fully supportive — so you can focus on your family, knowing your finances are planned.
Investment
From £750
depending on the level of planning required
As a business owner and a mum, I understand how important it is to feel financially secure during this stage of life.
My aim is to bring clarity, structure and reassurance — so you can focus on your family, knowing your finances are planned.