5 tips to help you be more confident about your financial future 1 Always have some money that you can access easily and quickly for emergencies, before looking to invest for the longer term. It’s reassuring to know you’ve got money set aside to cover your rent, mortgage, food and utilities for a number of […]

A guide to the jargon of wealth protection

Passing your estate to the right people at the right time Putting your savings, investments, life policies or assets into a trust can play an important part in estate planning. A trust is a legal entity that has control over assets for the benefit of one or more people, and there are different types of trust […]

Make sure your legacy does not involve just leaving a large tax bill for your loved ones In order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as inheritance tax is to organise your tax affairs by […]

Providing the legal authority to act on your behalf 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) (previously called an ‘Enduring Power of Attorney’) allows your […]

An essential part of financial planning that provides peace of mind about what happens to your wealth 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 […]

Continuing to cope financially due to an illness or accidental injury that prevents you from working No-one can guarantee that they will not be the victim of an unfortunate accident or be diagnosed with a serious illness. The bills won’t stop arriving or the mortgage payments from being deducted from your bank account, so going […]

Providing a financial cushion you need for everyday life Most people don’t like to contemplate what would happen if they were diagnosed with a critical illness, but not considering the future could mean that, should you survive such a catastrophic event, you may not have the financial cushion you need for everyday life.

Guaranteed financial protection that lasts for the rest of your life As the name suggests, whole-of-life policies are ongoing policies that pay out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term […]

Choose the amount you want to be insured for and the period for which you want cover The most basic type of life assurance is called ‘term assurance’. With term assurance, you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, […]