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.  (more…)

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) – previously called an ‘Enduring Power of Attorney’ – allows your attorneys to make decisions for you when you no longer wish to, or when you lack the mental capacity to do so. (more…)

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 set out your wishes, but, die without a Will, and your estate will generally be divided according to the rules of intestacy, which may not reflect your wishes. Without one, the state directs who inherits, so your loved ones, relatives, friends and favourite charities may get nothing. (more…)

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 way to keep paying the bills – and you might want to consider income protection insurance. (more…)

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 have on you and your family.  (more…)