Do you sell your business and take the money in one go, or leave the value in the company and draw it out over years? With Business Asset Disposal Relief now largely eroded, that question has changed.In this episode, Tracey Metcalfe is joined by Scott Harris, a director at Green & Co, to talk through how profit extraction today shapes what you keep when you eventually sell.In this episode, we cover: - The usual ways directors take money out: salary, dividends, pensions and benefits in kind - Why basic rate band planning still matters, even with a sale on the horizon - What has happened to Business Asset Disposal Relief, formerly Entrepreneurs' Relief - How the current capital gains tax rates compare with income tax rates - Why the cash you hope to extract may not even be sitting in the company yet - The risks of leaving the decision until later, from tax changes to life changes - The ongoing accountancy costs of keeping a structure alive to drip feed cash - Why the plan should start with your life goals, not with the tax rulesChapters00:00 Sell Now or Later 00:24 Profit Extraction Basics 01:42 Lifestyle and Future Sale 04:03 Tax Changes and BADR 05:59 CGT vs Income Planning 07:51 Risks of Waiting 10:47 Review Plans Regularly 12:09 Final Takeaways 13:30 Wrap Up and Next StepsAbout the podcast The Profit Playbook is the cash flow podcast for small businesses, from Green & Co Accountants and Tax Advisors in Cwmbran, South Wales. Hosted by Scott Harris and Tracey Metcalfe, each episode gives you one practical play you can use in your own business. Expert conversations, real-world solutions, no fluff.Listen everywhere Apple Podcasts: https://podcasts.apple.com/us/podcast/profit-playbook/id1821141053 Spotify: https://open.spotify.com/show/431jvHtCacsU522louG7U7 Amazon Music: https://music.amazon.co.uk/podcasts/24bd4eee-c20f-4261-b691-a5b872d6589b/profit-playbookWork with us https://www.greenandco.com Get in touch: https://www.greenandco.com/contact-us/Follow us Facebook: https://www.facebook.com/GreenandCoAccountants LinkedIn: https://www.linkedin.com/company/green-and-co/ TikTok: https://www.tiktok.com/@greenandcoofficial#ProfitPlaybook #SmallBusinessUK #SellingYourBusiness #CapitalGainsTax #ProfitExtraction #ExitStrategy #BusinessOwner #Accountants

AI is affecting almost every business, and plenty of owners have not clocked that it is affecting theirs. If you plan to sell in the next few years, that matters more than you might think.

Tracey Metcalfe is joined by Ed Gooderham, a partner at Green & Co, to talk about where AI fits into exit planning, and why it could raise the value of your business rather than dent it.

In this episode, we cover:

- Why anything repetitive can be automated, and what that frees your people up to do

- How AI can create capacity without adding staff

- Whether AI pushes business valuations up or down, and Ed's view on it

- Using a SWOT review to work out what your competitors might be doing

- The industries AI will barely touch, from care work to anything needing human judgement

- What manufacturing's thirty years of automation tells us about where this goes

- How to talk to worried staff about it, and what Green & Co told its own team

- The four things to do first: SWOT, process review, AI champions, and a conversation with your accountant

Chapters

00:00 Welcome and Setup

00:37 AI in Exit Planning

02:18 Value and Profit Upside

02:57 Competitors and SWOT

04:14 Industry Impact Examples

05:21 Staff Concerns and Change

06:06 Future Timing and Opportunity

07:53 Action Steps and Wrap Up

08:48 Closing and Call to Action

About the podcast

The Profit Playbook is the cash flow podcast for small businesses, from Green & Co Accountants and Tax Advisors in Cwmbran, South Wales. Hosted by Scott Harris and Tracey Metcalfe, each episode gives you one practical play you can use in your own business. Expert conversations, real-world solutions, no fluff.

Listen everywhere

Apple Podcasts: https://podcasts.apple.com/us/podcast/profit-playbook/id1821141053

YouTube: https://www.youtube.com/playlist?list=PLqwUT_JbSI1gac8j19865QlarFqDC8UbR

Amazon Music: https://music.amazon.co.uk/podcasts/24bd4eee-c20f-4261-b691-a5b872d6589b/profit-playbook

Work with us

https://www.greenandco.com

Get in touch: https://www.greenandco.com/contact-us/

Follow us

Facebook: https://www.facebook.com/GreenandCoAccountants

LinkedIn: https://www.linkedin.com/company/green-and-co/

TikTok: https://www.tiktok.com/@greenandcoofficial

#ProfitPlaybook #SmallBusinessUK #AIforBusiness #ExitPlanning #BusinessValue #Automation #BusinessOwner #Accountants

Thinking about selling or stepping back from your business? The tax rules around exiting are changing, and the difference between planning ahead and leaving it late can be significant. In this episode of The Profit Playbook, Tracey Metcalfe is joined by partner Ed Gooderham to talk through exit planning in a shifting tax landscape.In this episode, we cover:• Business Asset Disposal Relief (BADR) — and the rise from 14% to 18%• How BADR sits alongside the main Capital Gains Tax rate• Employee Ownership Trusts (EOT) and what's changed• Business Property Relief and passing the business on• Earn-outs, deferred payments and the risks involved• Using EIS investments to hold over gains• Why certainty over your tax bill matters and when to pay it• Building value and having an exit strategy in placeChapters:00:00 Welcome & today's topic00:38 BADR and the move from 14% to 18%01:21 Where Capital Gains Tax rates could go next02:10 Employee Ownership Trusts (EOT) after the Budget02:50 Exit vs stepping back: management teams & BPR04:00 Earn-outs, deferred payments and drawing dividends06:03 EIS investments and holding over gains08:00 When to pay the tax: certainty vs deferring09:30 Why every business needs an exit strategy12:45 Key takeawaysAbout The Profit PlaybookThe Profit Playbook is the cash flow podcast for small business owners, featuring practical strategies on cash flow, profit, and financial control, hosted by Scott Harris and Tracey Metcalfe at Green & Co Accountants and Tax Advisors.⚠️ This episode is general information, not personal tax advice. Tax rates and reliefs change — please speak to us about your own situation.Work with us🌐 https://www.greenandco.com📩 https://www.greenandco.com/contact-us/Follow Green & CoFacebook: https://www.facebook.com/GreenandCoAccountantsLinkedIn: https://www.linkedin.com/company/green-and-co/TikTok: https://www.tiktok.com/@greenandcoofficial#ProfitPlaybook #ExitPlanning #BusinessExit #CapitalGainsTax #BADR #SmallBusinessUK #Tax

In this episode of The Profit Playbook, Tracey Metcalfe is joined by Susi French to discuss how business owners can use their numbers to make smarter decisions.Many businesses only look closely at their figures once the year-end has passed. But by that point, it may be too late to act.Tracey and Susi discuss why regular reviews, management accounts, KPIs, cash flow forecasts, and good bookkeeping can help business owners stay in control throughout the year.They also explore why relying on gut instinct alone can be risky, how different income streams should be reviewed separately, and why accounting software is only as good as the information being entered.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/In this episode, they cover:• Why year-end accounts can be too late for decision-making• The value of reviewing numbers before the year-end• Why gut instinct alone can be risky• What KPIs are and why they matter• How gross margin, recovery rates, and staff utilisation can support decisions• Why different income streams should be reviewed separately• How management accounts help business owners stay in control• Why cash flow forecasting matters• How software such as Xero can improve reporting• Why good bookkeeping and human review are still importantIf you want to make better business decisions, improve visibility, and avoid surprises after the year-end, this episode is full of practical advice.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/🌐 Learn more: https://www.greenandco.com/how-to-use-business-numbers-to-make-better-decisions/Like | Share | Subscribe#ProfitPlaybook #UKBusiness #BusinessGrowth #SMEs #AccountingAdvice #ManagementAccounts #BusinessNumbers #CashFlow #KPIs #Xero #BusinessPlanning #SmallBusinessUK

In this episode of The Profit Playbook, Tracey Metcalfe is joined by Scott Harris to discuss whether business owners should hire more staff or look at automation first.When a business gets busy, the first reaction is often to recruit. But with technology, automation, and AI advancing quickly, it is worth stepping back to review whether new people are really the best answer.Tracey and Scott discuss how automation can help with repetitive tasks, improve efficiency, create capacity, and support existing staff in developing higher-value skills.They also explore why business owners need to communicate clearly when introducing automation, so teams understand how technology can support their role rather than simply replace tasks.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/In this episode, they cover:• Why hiring is often the default growth decision• When automation may be a better first step• How AI and technology can improve efficiency• Which tasks are best suited to automation• Why communication matters when introducing change• How automation can support staff upskilling• The risk of falling behind competitors• Why your business strategy should guide the decisionIf your business is getting busier and you are deciding whether to hire, automate, or improve systems, this episode will help you think through the next step.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/🌐 Learn more: https://www.greenandco.com/should-you-hire-or-automate/Like | Share | Subscribe#ProfitPlaybook #UKBusiness #BusinessGrowth #SMEs #AccountingAdvice #Automation #BusinessAutomation #AIForBusiness #HiringStaff #BusinessEfficiency #SmallBusinessUK #BusinessPlanning

In this episode of The Profit Playbook, Tracey Metcalfe is joined by Susi French to discuss how business owners can reward staff tax efficiently.Many employers assume the best way to reward staff is through a salary increase. But salary alone does not always motivate employees in the long term.Tracey and Susi explore different ways businesses can support, motivate, and retain staff, including salary sacrifice schemes, pension contributions, electric vehicle schemes, trivial benefits, staff events, flexible working, private medical benefits, and employee share schemes.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/In this episode, they discuss:• Why salary increases are not always the best motivator• How salary sacrifice schemes work• Pension salary sacrifice examples• Electric vehicle schemes and benefit in kind rules• Trivial benefits and staff vouchers• Annual staff events and the £150 limit• Flexible and hybrid working• Private medical and wellbeing benefits• Enterprise Management Incentive schemes• Why advice is important before setting up employee benefitsIf you are a business owner looking to reward your team, improve retention, or offer more meaningful benefits, this episode gives a practical overview of the options available.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/Watch next: https://www.youtube.com/playlist?list=PLqwUT_JbSI1gac8j19865QlarFqDC8UbRLike | Share | Subscribe#ProfitPlaybook #UKBusiness #BusinessGrowth #SMEs #AccountingAdvice #StaffBenefits #EmployeeRewards #TaxEfficiency #SalarySacrifice #BusinessPlanning #SmallBusinessUK #EmployeeRetention

In this episode of The Profit Playbook, Tracey Metcalfe is joined by Ed Gooderham to discuss how business owners can grow without damaging gross profit.Many businesses focus on turnover, staff numbers, or expansion. But growth does not always mean more profit. Ed explains why business owners need to understand gross profit, net profit, pricing, staffing costs, capacity, and efficiency before making growth decisions.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/In this episode, we cover:• Why turnover is not the same as profit• How new staff can affect gross profit• Why pricing and margins matter• How to avoid becoming a busy fool• When to hire, use agencies, or subcontract• How seasonal businesses can manage staff costs• Why benchmarks and productivity matter• How technology and AI can create capacity• Why business owners should step back and review before growingIf you’re planning to grow your business, this episode will help you make more informed decisions and protect your profit.👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/🌐 Learn more: https://www.greenandco.com/grow-your-business-profitably/Watch next: https://www.youtube.com/playlist?list=PLqwUT_JbSI1gac8j19865QlarFqDC8UbRLike | Share | Subscribe#ProfitPlaybook #UKBusiness #BusinessGrowth #SMEs #AccountingAdvice #GrossProfit #NetProfit #CashFlowManagement #BusinessPlanning #EntrepreneurUK #SmallBusinessUK #ProfitMargins

Many UK business owners think employing someone only costs the salary. In reality, the true cost of employing someone in the UK is far higher. In this episode of The Profit Playbook, we break down the real financial, time and management costs you need to plan for before you hire.

👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/

You’ll learn

• Why salary is only part of the cost of employing someone

• The hidden recruitment costs business owners overlook

• How National Insurance and pensions impact your cash flow

• The real-time cost of managing and training staff

• Minimum wage changes and what they mean for employers

• When using a recruitment firm makes commercial sense

• How employee benefits affect attraction and retention

• How to forecast profitability before hiring

• When not employing anyone is actually the best decision

👉 Book a meeting with one of our partners: https://www.greenandco.com/contact-us/

🌐 Learn more: https://www.greenandco.com/true-cost-of-employing-someone/

Like | Share | Subscribe

#ProfitPlaybook #UKBusiness #BusinessGrowth #SMEs #AccountingAdvice #EmployingStaff #HiringInTheUK #CashFlowManagement #BusinessPlanning #EntrepreneurUK #SmallBusinessUK #EmploymentCosts