Are you one of the 60% of adults on the rocky road to financial hardship?

If you want peace of mind, then act now to protect yourself and your family through financial planning

Book Appointment

Are you one of the 60% of adults on the rocky road to financial hardship?

If you want peace of mind, then act now to protect yourself and your family through financial planning

Book Appointment

Whether building a financial plan from the start, or reviewing your existing arrangements, expert and impartial advice can help you meet your goals.

The first step to realising your long and short-term financial aspirations and goals is to take stock of your situation.

We can help you carry out a full review of your finances, including your retirement, investments, life assurance and estate planning needs.

We can carry out a cash flow analysis in order to project forward your current situation, special events or scenarios throughout your lifetime to help create a personal financial plan to achieve your life goals.

Once a plan is in place, this process should be repeated on a regular basis to ensure you stay on track to achieve your dreams and goals.

To discuss your situation or to arrange a meeting, please contact us – we look forward to hearing from you.

What Really Matters

Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them?

Imagining what you want your life to be like in the long term, the special events along the way and when you retire, can help you think much further ahead than you might ever have done before.

KEY WELL-BEING ASPIRATIONS

For many, that well-being in old age will pivot on simple hopes (family, health and happiness) rather than extravagant financial ambitions. A well-balanced life was a key aspiration for many respondents. The letters confirm a clear hierarchy of needs and aspirations in life that many of us would have expected: family/partner, followed by career and financial security, followed by hobbies and interests, including friends.

The desire to remain healthy and active in old age, to live comfortably with financial security, and having fulfilling but balanced careers with a good work life balance is key. However, most people are unprepared to achieve these dreams and aspirations.

START PLANNING WELL IN ADVANCE

We all want to fulfil our life plans, so the earlier you know where you want to get to, the better chance you have of getting there. Ideally, it’s advisable to start planning decades ahead to map out the life you want for yourself and your family. The process of writing the letter should prompt that thinking and planning and hopefully that conversation with your partner and family.

To discuss your situation or to arrange a meeting, please contact us – we look forward to hearing from you.

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Family Protection

Making sure that you and your family can cope if you fall ill or die prematurely is something we can too easily put to one side.

Whether it is your family or other loved ones, it’s essential to make sure that the people and things that matter to you are taken care of – whatever life throws at you.

FINANCIAL HARDSHIP

Many dads and mums admit their household wouldn’t survive financially if they lost their income due to long-term illness, leaving many more at risk of financial hardship if they were to become seriously ill.

  • Critical illness insurance – this doesn’t usually pay out if you pass away, so it’s not always suitable if you want to make sure your family are provided for after you’ve gone. This is where life insurance comes in.
  • Life insurance – this insurance usually only pays out if you pass away. It’s designed to help your family maintain their lifestyle after you’ve gone, for example, to pay off a mortgage or other loans and provide for children’s university fees.

NO SAVINGS

If they were unable to work due to serious illness, many parents say they could only pay their household bills for a maximum of three months, and some say they have no savings at all. On top of this, many parents are leaving themselves and their families unprepared for other aspects of illness or bereavement. Many also don’t have the protection of a Will, power of attorney, guardianship or trust arrangements in place for their families.

RISKY POSITION

This is an especially risky position for the two thirds of UK fathers who are the main breadwinner in the family, and it’s clear that many are in lack of a ‘Plan B’. Many fathers don’t consider having insurance as a necessity, saying they don’t see critical illness cover as a financial priority, or saying they don’t think they need it. The value of protection, however, is to provide long-term peace of mind about having financial security in place for your dependents.

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SEEK ADVICE

Life is full of uncertainties – and while we insure cars, houses and even holiday arrangements, when it comes to ourselves and our family, often insurance is overlooked and undervalued. The simple truth is we can get too ill to carry on working or tragically die too soon, either through serious illness or accident. These events are random, and they can potentially affect us all. Recent changes to bereavement benefits, and their continued unavailability to those in cohabiting relationships, mean that it’s more important than ever for fathers to review their financial protection needs and seek advice to make sure their household is covered.

UNFORESEEN CIRCUMSTANCE

The impact of losing the family breadwinner can be devastating – missed mortgage repayments, savings depleted, your home being sold, your family’s standard of living eroded, with stress and worry all too evident.

If you are concerned about protecting your family if the unforeseen were to happen, then please get in touch.

Business Protection

Protecting people should be an integral part of any business succession plan.

Business owners already protect many of the important things that keep the business running smoothly, like property, fleets and stock. So they should also insure their most valuable assets: their staff and shareholders.

Key person and Share and Partnership cover can include Life insurance or Life insurance with Critical illness cover.

OWNERSHIP

If a partner or shareholder dies or is diagnosed with a critical illness, the proceeds help the remaining owners buy the affected individual’s share of the business. Without protection, the surviving owners could lose control of the business, impacting on-going success.

PROFIT

If a business loses a key person who influences revenue, the policy gives the company a cash injection, helping replace lost profits and possibly recruit a replacement.

DEBT

If the business loses a key person, the money paid by the policy can be used to clear loans or other debt. Without a cash injection, investors and creditors (like the bank) may call in debts as they’re no longer confident the business can keep on top of them.

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RELEVANT LIFE COVER

Relevant Life cover is often referred to as a type of Business Protection and is a tax-efficient life insurance policy, allowing companies to offer death-in-service benefits to their staff.

Client Testimonials

I had a long financial advice session with Tony and to be honest I wish I’d found him years ago! Not only did he help me unravel my current situation, he also gave me some practical steps that could be actioned right now.

He broke everything down into achievable tranches, and immediately took away the feeling of huge overwhelm I had around financial planning for the now and the future. He listened with complete empathy and tailored everything to help my personal situation.

There was no jargon, no complicated advice, just an easy comfortable environment that he created, which immediately put me at ease.  Would highly recommend! 

Emma White, March 2019

Emma White

We wanted to ensure we had resources for our retirement and possibly long term care. Tony undertook a needs assessment and an assessment of our resources and our values. He identified possible investment opportunities and our objectives are being met; our portfolio is likely to meet our needs; attention has been made to our values. We have recognised that a financial adviser is one member of a team of people who have a responsibility for meeting clients’ needs. We cannot fault the contribution of our financial adviser Tony Thomas.

John, November 2018

We had been advised by a family member, now deceased. We needed someone with expert knowledge to guide our decisions.

Tony has helped us through a number of important decisions and has helped us adapt quickly and efficiently as our circumstances have changed. Given the volatile nature of financial investments we are confident that the outcome is amongst the best possible.

We are happy with Tony’s work.

Robert, November 2018

For INDEPENDENT financial planning advice, call Tony on:

Mobile: 07585 592494

OR

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