What is the most valuable thing you have? Your house? Your car? Or is it you?
Protecting your income and your family should be the cornerstone of financial planning. Illness, losing your job or death can all bring on real financial hardship and the plans that you and your family have made may not be possible. It is important to protect those dreams and the life you worked so hard to make possible.
There are many forms of protection and choosing the right one for you will depend on many factors, including existing provisions, your goals and your tax position. We are here to make sure that you get the right cover for your needs.
Life Assurance can protect income, your family, any child maintenance you receive and even your business, it can even be arranged to minimise the effect of tax that is payable. This should be the start of your financial planning and needs reviewing regularly to ensure it continues to meet you and your family’s needs to be able to cope with the unexpected. We will review with you what your risks are, calculating how much you would need to protect your income, cover your debts and keep those family dreams a possibility.
Education is high on most parent’s priorities and increases in school trip costs, the variety of extra curriculum activities, increasing University fees and changes to the available grants mean careful planning is needed to give your child the best educational future. It is not just about saving the money to ensure they get the best start in life, but also protecting your income so your children are provided for if you lost your income.
The National Health Service and the government’s Welfare Reform changes are often in the news, with fewer people qualifying for state benefits. We can help you make provisions so you can be back on your feet and spend your time getting better and not worrying about your finances.
Whatever your circumstances, concerns and goals, we can help you to protect them, now and into the future.
Are you Ready?
Contact us for qualified advice now