If you want to help maintain the lifestyle of those you leave behind in the event of your death, we can recommend the right insurance policy to suit your needs and aspirations for your family. 

 

 

 

 

These protection plans can be structured to meet a range of objectives, from protecting you and your family’s income to paying off your medical costs or liabilities such as a mortgage. Our role is to help you decide what kind of protection is right for you, based on your aims, personal situation, lifestyle and budget. This type of policies are typically designed to pay out a lump sum but can also provide a regular income, be used to meet medical costs – even paying health providers directly – be combined with life assurance policies or taken out jointly with a partner. 

 

 

 

 

Many of us would like to think that if we are forced to take long term sick leave or face long lasting unemployment, the State will help. It does but the benefits are minimal and the criteria strict. So how would you pay your mortgage and other bills if you were unable to work? 

 

 

Becoming ill or redundant is traumatic enough without added money worries. So, income protection has been designed to help protect your income and your family’s lifestyle should you become ill, have an accident or be made unemployed. Such a policy pays you a regular sum to protect your standard of living and can be tailored to match your needs. 

 

 

 

 

Investments are a complicated business, with so many choices to be made regarding who you trust with your hard-earned money. Perhaps the first and most important decision you face though is determining your attitude to risk. We can help you better understand yours through the building of a personal risk/reward profile for you. 

 

Once we are clear about the degree of risk you are willing to accept, your capacity to withstand potential losses and how this may affect your lifestyle, we can suggest a variety of investment options tailored to meet your needs., aims, aspirations and lifestyle. 

 

Our solutions will always be based upon a number of considerations, such as balancing risk, returns and length of investment term. We can investigate a wide range of investment vehicles, such as unit and investment trusts, open-ended investment companies (OEIC’s), ISA’s, gilts and corporate bonds. 

 

 

 

 

 

Let’s be honest, who likes paying tax? Not only is Inheritance Tax unpopular (after all, you paid tax on the money when you earned it!) it can cost your loved ones dear in the event of your death, if you don’t plan for it. 

 

By planning and taking action to mitigate Inheritance Tax, you could enable your beneficiaries to retain much more of your family’s assets.