Protecting what is important to you
When it comes to our money and our plans, it can be hard to balance short-term wants, long-term dreams and those unexpected events that are out of our control.
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An essential part of your plan
Financial protection for you and your family
When you are off work due to an illness or injury, worries about how you are going to pay your bills can make an already stressful situation worse. So much so that many people are finding themselves in the very difficult position of having to put the need to earn money over their health by continuing to go to work, even when advised not to by a doctor.
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Complex risks in life that we all face
Understanding what options you have are key parts of the protection planning process
There are various complex risks in life that we all face, such as serious illness, an accident or death. What would happen if something were to happen to you? Would your family be able to cope financially with the impact an unexpected event might have?
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Long-term care
Face the future with confidence
As we get older, many of us will need help looking after ourselves. But what are the options when it comes to paying for long-term care?
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Managing your estate and assets
Key part of putting your affairs in order later in life
This is an important part of wealth management, no matter how much wealth you have built up. It’s the process of making a plan for how your assets will be distributed upon your death or incapacitation.
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Protect your legacy
A better chance of passing on assets tax-efficiently
If you want to pass wealth on to your children and grandchildren, it’s wise to contemplate when it might be best to make that gift. Should you transfer wealth during your lifetime — or after?
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Passing wealth down through the generations
Millions of retirees help out in cost of living crisis
The rise in the cost of living is affecting millions of people. A third of young adults (18-34) and families with young children are struggling financially. Many are turning to family and friends for help with day-to-day expenses such as utility bills, housing costs and childcare, according to new research[1].
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Where there’s a Will there’s a way
Control over what happens to your property, money and belongings after you die
It’s important to make sure that after you die, your assets and possessions (known as your ‘estate’) will go to the people and organisations (known as your ‘beneficiaries’) you choose, such as family members and charities you want to support.
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Lasting Power of Attorney
Giving someone you trust authority to help you make decisions
As someone becomes more unwell, they’re likely to find it more difficult to manage money and financial affairs, and may become too unwell to make decisions about health and care. A Lasting Power of Attorney (LPA) is a legal document in which someone (the donor) gives another person (the attorney) the right to help them make decisions, or take decisions on their behalf.
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Balancing risk and returns
Bonds can play a key part in building an investment portfolio
UK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by investors.
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