We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Business Risk Management
Director Share Protection
This involves protection in the event of the death or critical illness of a Director of your business and ensures that someone with no interest in the business does not become a majority shareholder in a position to sell the company.
Shareholder Protection
If a major shareholder in your business dies, this protection ensures that control of the business stays with the remaining shareholders rather than passing to the deceased’s beneficiaries. In return the deceased’s beneficiaries receive the cash value of the shares.
Partnership Protection
If a Partner in the business dies, this type of policy would ensure that their share of the business passes to the remaining Partners without the need to take out a loan or sell assets. It also removes the chance of the deceased’s share of the business passing to someone who may sell the company above your head.
Key Man Insurance
An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. In the event of a claim, the proceeds are paid directly to the company to compensate for financial losses arising from the death or extended incapacity of the member of the business specified on the policy.