Keeping your investments safe After nearly a decade of low interest rates and central banks pumping money into financial markets, traditional safe haven investments have become expensive, so where could investors look to keep their investments safe? Gold, the US dollar, ‘defensive’ stocks such as utilities and pharmaceuticals, government bonds, cash – what do they […]

Parents putting financial health at risk to fund university costs When it comes to funding a university education, it is parents and grandparents who typically look to provide the money. But even though this may be the case, last year’s graduates from English universities still left with an average of £44,000 debt (source: Sutton Trust), […]

Choosing the right structures can protect assets and give your family lasting benefits The structures into which you can transfer your assets can have lasting consequences for you and your family, and it is crucial that you choose the right ones. The right structures can protect assets and give your family lasting benefits. A trust […]

Securing more of your wealth for your loved ones Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier. 

Permitting someone to act on your behalf when you are no longer mentally capable of making decisions A Power of Attorney is a legal document that allows you to give someone else the legal authority to act on your behalf. There are several different types of Power of Attorney. A Lasting Power of Attorney (LPA) – […]

An essential part of your financial planning Your will lets you decide what happens to your money, property and possessions after your death. If you make a will, you can also make sure you don’t pay more Inheritance Tax than you need to. It’s an essential part of your financial planning: not only does it […]

No one is immune to the risk of illness and accidents No one likes to think that something bad will happen to them. But, if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other […]

If the worst does happen, it’s important to make sure you’re financially protected We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. If the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could […]

Guaranteed financial protection that lasts for the rest of your life A whole-of-life insurance policy is designed to give you a specified amount of cover for the whole of your life and pays out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will […]

Protection for a specified fixed period of time With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to your beneficiaries. If […]