Financial planning
The part of the plan nobody enjoys and everybody needs
Protecting a plan against the events that derail it — death, disability, illness and liquidity.
The problem
Protection is the least interesting part of a financial plan and the part whose absence does the most damage. Most households hold policies bought at different times for different reasons, and nobody has checked whether the total would clear the debts and fund the goals the family depends on.
Our approach
We size the requirement from the liabilities and goals that exist, subtract the cover already in force, and identify the gap. Where a product is needed, term insurance is almost always the instrument that delivers the cover at the lowest cost.
What we help with
- Life cover sized on liabilities, income replacement and unfunded goals
- Health cover adequacy against medical inflation
- Income protection for self-employed and single-earner households
- Emergency fund sizing and where to hold it
- Reviewing existing policies for overlap and unnecessary cost
Who this is for
- Single-earner households
- Anyone with dependants and a mortgage
- Self-employed people with no employer cover
- Households holding policies nobody has reviewed in five years
How it works
- 01
Inventory
Every policy in force, what it covers and what it costs.
- 02
Requirement
What the household would actually need, computed from liabilities and goals.
- 03
Gap
The difference, and the cheapest honest way to close it.
What changes as a result
Cover that matches the need
Rather than what was sold at the time.
Cost removed where there is duplication
Overlapping cover is common and expensive.
Schedule a confidential consultation
Forty-five minutes, no obligation, and no charge. If we are not the right firm for what you need, we will say so and point you somewhere better.
Anything you share is held in confidence. We ask only for what we need to prepare for the conversation — never account numbers or login details.