People need protection policies for a wide variety of reasons and there are several types of plans to cope with these situations. In the main, people require cover for their mortgage so that their family and dependents will not be left with a large debt to repay and the possibility of losing their home.

Families with dependent children will also take out protection for a lump sum or income to provide for their children in the event of death. This provides financial support for the surviving parent or guardian so that costs such as childcare, school trips, car expenses and further education can be afforded.

With appropriate advice and guidance from an independent financial advisor, the cost of this cover does not have to be large.

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Consider what you would do if you could not work due to an accident or a prolonged illness. How would you pay your bills ? Statutory Sick Pay is only £ 72.55 per week.

Income Protection Insurance will pay you a liveable wage in the event of your being unable to work due to accident or sickness. Premiums are calculated on your occupation and benefit required (you can normally specify up to 65% of your gross salary).

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The first question we would ask you is - “what are you trying to achieve?” Do you require investment advice for Growth or Income, or perhaps a combination of both? If you are investing for:

1. Simply a better return
2. Wedding anniversary
3. Greater income in retirement
4. A special holiday
5. Child savings

Whatever your requirements, we are able to offer the right help on various types of investments from Offshore Investment advice, Investment Trusts, to mainstream deposit-based accounts, ISAs, etc. As an Adviser, our job is to help you achieve your ambitions. Your attitude to risk is important, as is your need for income or capital growth.