Are those who are financially dependent on you protected in the event you are unable to no longer provide for them? We all need to consider the impact and consequences our death, serious illness, injury or redundancy would have on the people closest to us. The aim of life protection (or life assurance) cover is to protect you against the unexpected. It will provide funds for people who are financially dependent on you.

Cover will cease on insurance products if premium payments are not maintained.

Generally, these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

Retirement planning is more than just investing in a pension. It is identifying the lifestyle you choose to live at retirement and the means with which you are going to fund it. Are your saving the right amount today to meet your goals? As each person’s situations are unique we build a bespoke solution that takes account of your needs and goals.

A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.

A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

Advice on auto enrolment pensions is not regulated by the financial conduct authority.

Our investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals. We’ll take the time to find out about your personal financial goals and how you feel about risk. That is how we are able to work out whether investing could be right for you, and if so, which funds and how much to invest.

The value of investments may go down as well as up and you may get back less than you invest.

An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

OFFSHORE COLLECTIVES ARE COMPLEX INVESTMENTS AND ARE NOT SUITABLE FOR EVERYONE, YOU SHOULD SEEK FINANCIAL ADVICE BEFORE ENTERING INTO THIS TYPE OF INVESTMENT.

Ethical investing is when you make a conscious decision to make investment choices based on ethical values and beliefs. This could range from excluding specific firms that have interests in areas such as gambling, tobacco, adult entertainment, weapons or alcohol, or merely choosing funds that consider a range of ethical factors and/or delivers positive ethical outcomes. Positive ethical outcomes can also include social and environmental benefits.

The value of investments may go down as well as up and you may get back less than you invest.

Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

Protecting and Managing Wealth is at the heart of what we do. We provide a highly personal service, based on your needs and objectives, and are designed to build and safeguard your long-term prosperity.

With all our solutions we identify the impact tax has on your investments and assets and provide solutions where the impact is minimised by using the correct investment vehicle and utilising your savings and tax allowances.

This is also important when leaving your legacy to your beneficiaries. Having the right structure and plan in place will determine how your legacy is distributed upon your death and how it can benefit generations beyond.

The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning

Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, estate or tax planning or trust advice.

The Financial Conduct Authority does not regulate Cashflow Planning.

Corporate financial planning is about far more than arranging employee benefits and pensions. It involves making certain you've taken all the right measures to be in the best position to achieve your business goals, grow your business and take and the necessary steps to protect your business.