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You have car insurance in case you have an accident while driving.
What happens if you become seriously ill at work?
If you’re prepared, you will have some emergency funds.
What happens if you can’t get back to work when they run out?
What happens if you die, are your loved ones and children adequately protected?
Protection planning is all about making sure that should the worst happen that you don’t need to worry about where the money for this month’s bills is coming from.
In the UK it is estimated that 50% of people will get cancer in their lifetime (Lifetime risk of cancer, Cancer Research UK, Accessed 06/11/2023).
In the UK many underestimate the likely hood of becoming ill and overestimate how much help the government provides.
You need to ask your self are you truly protected.
If you want to talk to an expert, then please book a no obligation initial discussion below.
We find out about you and what you want to achieve - as well as gain a good understanding of your current position and explain a little more about us.
Financial planning requires consideration as we need to look at all the opportunities available. Typically, this takes us a couple of weeks but if it is complicated it may take us longer.
We take our ideas and explain the options; the pros, the cons and the costs. We make it simple to understand and then you decide what you want to do.
Once you have agreed to our plan, we work to make it happen. We then review and monitor everything with regular meetings to ensure you continue to receive the advice you need.
Protection planning covers range of products and services and becomes even more complicated if you own a business.
We use numerous providers to make a plan that considers what you need.
Making sure that you are properly protected is one of the most important steps of Financial Planning.
To work out how much cover you need is not always straight forward.
As you can see cover is most important when you have people who depend on you.
It is possible that you will have the costs of long-term care.
The costs of long term care can be very expensive.
So having provisions in place is important.
You need someone to make sure your finances are in order and that you go to a good care home should you need to.
A well written Will makes sure that your money goes where you want it to and can also be a powerful tool for looking after your loved ones.
Powers of attorney are a useful tool should you ever become unable to handle your own affairs. Taking into consideration any future care needs you may have.
Will writing and Powers of Attorney involve the referral to a service which is separate and distinct to those offered by St. James’s Place and are not regulated by the Financial Conduct Authority.
Whilst we provide the bespoke and tailored service of a small firm.
The suitability of our advice has the backing of one of the UK’s largest wealth management companies.
Ultimately, this gives you an extra layer of protection and the best of both worlds.
Our team has won numerous awards including the Personal Finance Society Investment Specialist of the Year 2020. You can read more about our awards by clicking the icon above.
We take the time to get to know you and spend the time to figure out if we are a good fit. We want to work together for the long term to help achieve your goals.
We work with the rural community so we understand the summer is busy and that the profits may not always be clear until the last moment. We can work with you, your team and your accountant to help you plan for the future.
Our team has won numerous awards including the Personal Finance Society Investment Specialist of the Year 2020. You can read more about our awards by clicking the icon above.
We take the time to get to know you and spend the time to figure out if we are a good fit. We want to work together for the long term to help achieve your goals.
We work with the rural community so we understand the summer is busy and that the profits may not always be clear until the last moment. We can work with you, your team and your accountant to help you plan for the future.
We use a combination of ideas and tools and apply them to your specific circumstances.
Each idea has different uses pros and cons, and it is all about balancing the nuances and other considerations of your financial affairs to keep you living the life you want whilst providing a layer of protection to your life.
Ultimately, we help achieve your goals and the priority often is making sure that you have enough to enjoy your life, but this should be balanced with protection to make sure you can still live as normal should something happen.
So, if this sounds like something you might need help with make sure to get in touch with us.
