Top Quartile Solutions was established to help small businesses owners and managers develop, grow and protect both their business and personal wealth. It was recognised that most business owners/managers face numerous risks that require professional assistance, but for various reasons they were not being addressed. A few of these were that many owners hold virtually all their net worth in the business, so should the business become unstable, so too does their wealth. Markets have become increasingly competitive, good staff harder to secure, efficiency more difficult to find, so that profitability is always under threat. Finally, good health and time with the family are often being sacrificed, so that the most valuable things in life are being lost to the business. As skilled owner/managers and successful financial advisers ourselves, we aim to provide solutions which can help you to alleviate such problems and enhance your potential for personal and business success. Experience has shown that our solutions are effective. We invite you to see for yourself!