Life Planning

Life Planning

Life can throw all kinds of events at us, some we can plan for and some we cannot.  Your life plan can incorporate those events that you expect to happen and wish to plan for, such as school and university fees and retirement.  But there are also many unexpected events, such as redundancy, divorce, illness, inheritances and death, which are not pleasant to address but form an important part of your plans and how you deal with them.

Having a good grasp of your overall financial situation enables us to plan for these life events where possible but also deal with those situations which were perhaps not planned.  We can help you put together a plan to manage your current finances using your savings, investments and other assets along with any necessary protection planning.

We can also incorporate other family members into your overall life plan to ensure you have a complete assessment.

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Estate Planning

When you have worked hard to build up your assets, it is very important that you can pass on these assets to your chosen beneficiaries in the most tax and cost efficient way possible.

Efficient estate planning can help you to ensure that your wishes are carried out with regards to particular assets, whether that be in order to mitigate an inheritance tax liability, safeguard assets for a minor or disabled child, or provide for your family or others in the event of your death or declining health.

We can help you to put a plan together to ensure those important to you are looked after, minimising tax and costs wherever possible.  We do this using the efficient use of trusts, wills and powers of attorney.

Trusts, wills and powers of attorney are not regulated by the Financial Conduct Authority.

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Protection Planning

We cannot plan for every eventuality, but if you have a family of your own, it is likely that you want to ensure they are well looked after and therefore some form of protection will be required.  It might be simple life insurance to cover the balance of your mortgage if you were to die.  Or perhaps you are more concerned about suffering a serious illness and therefore critical illness cover is more important.

Whatever your needs, it is very easy to ‘over protect’ whilst missing the main objectives for needing cover.  We can guide you through your needs and ensure your level of cover meets those needs at the most affordable cost.

We offer whole of market advice on a range of protection products: term assurance, whole of life, critical illness, private medical insurance, accident, sickness and unemployment cover.

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