Preserving your wealth

As you work to build your wealth, you’ll wish to protect your hard-earned worth against both unforeseen events, such as serious illness or early death, and inevitabilities such as taxes and inflation.

Through our specialist support and advice, we help to protect you and your family’s standard of living whatever life may throw at you, and preserve the value of your estate for the benefit of your family.

We work closely with you to ascertain the level of risk you are willing to take with your savings and capital, and then make appropriate recommendations. You may be willing to take different levels of risk with your savings depending on the aims, whether you’re considering emergency funds, education fees or retirement provision. We match our advice to your needs.

How we may help: 

• Life and Critical Illness cover – lump sums and/or regular monthly payments in the event of death or a critical illness

• Income Protection – paying a percentage of monthly income in the event of being unable to work due to illness/disability

• Investment – building an investment portfolio with correct risk profiles under the appropriate wrapper including Individual Savings Accounts (ISAs), Pensions, Self-Invested Pension Plans (SIPPs), Onshore and Offshore Investment Bonds, Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EIS), Structured Deposits, Discretionary Fund Managers (DFMs) and Term Cash Deposits.

• Tax efficient planning: using the most widely available tax concessions available and tax efficient investments.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.