Or – in a worse-case scenario – if you die prematurely, the loss of your income could mean your loved ones really struggle financially.

Even if you have a will in place, is it really up to standard? When was the last time you reviewed it? Are you leaving everything to your children? What if they divorce in future? Their inheritance could disappear with the your ex son- or daughter-in-law!

We can help sort all your affairs, so you can rest assured that should the worst happen, then your family will be taken care of and your money will go to the people you want it to.

Our protection planning services include:

• Insurance– we can set you up with a range of insurances including life assurance, critical illness cover and income protection.
• Estate planning review– we can review your current arrangements – including your will and powers of attorney – to see if they are up to ‘standard’ and meeting your wishes.
• Inheritance Tax review– if you add-up everything you own, you may find your estate will be subject to Inheritance Tax on death, meaning your loved ones could lose 40% to the taxman! We can help you plan against this.
• Long term care– we are all living longer, so you may well ‘go into care’ at some point in your life. It’s unlikely you’ll get much help from the government, so planning is essential to avoid losing all your wealth, including your home!

These are all uncomfortable issues to address, but they’re also very important, and having them ‘sorted’ gives you – and your family – financial security and peace of mind.