Insurance Services
Whilst for most, working with a financial adviser is about planning for the future through sensible investment and savings decisions, we will always consider insurance as part of a broader strategy.
Life insurance can often be key to planning in the earlier years, or as part of an inheritance tax planning strategy in later life.
Income protection is an often-undiscussed area of cover, but one we believe has a key role to play in many client plans. Sadly, the days of employer sponsored schemes are being forgotten and the burden increasingly lies with an individual to ensure that they are protected against long term sickness.
Being underinsured, in our opinion, poses one of the greater risks as to why a client will not reach their financial goals.
Our approach to insurance planning is to complete a risks assessment with you and then consider your monthly budget – we will then construct a plan to insure the most significant risks whilst working within the cost parameters which you have set.
Financial Planning
Pensions and Retirement
Estate Planning
Insurance Services‘Prediction is very difficult, especially if it’s about the future.’
Nils Bohr