by Brian Downton | J, Oct, 2019 | blog, protection
Most of us celebrate the start of life and pay tribute to the end of life, but are we placing enough importance on everything in between? If we’re lucky we’ll enjoy certain life events like finding a lifelong partner, marriage / civil partnership, having children,...
by Brian Downton | J, Oct, 2019 | blog, Pensions
Planning the best way to draw your pension savings is not straightforward, after all, there’s no ‘one size fits all’ when it comes to retirement. Life expectancy, the impact of inflation and the choices available at retirement (thanks to the 2015 Pension Freedoms) are...
by Brian Downton | J, Oct, 2019 | blog, wealth-management
In the early years this might translate into a surplus of toys or days out, but this stage eventually passes, and thoughts turn towards the future transition from child to adulthood and beyond. This longer-term perspective raises the question of how best to provide...
by Brian Downton | J, Oct, 2019 | blog, protection
Some people might be put off buying a critical illness policy because they believe it’s unlikely to pay out, despite the proportion of claims paid by insurers standing at just over 92%. So why is there such a gap between perception and reality among consumers? There...
by Brian Downton | J, Sep, 2019 | blog, wealth-management
Getting a clear, concise view of your investment portfolio can be difficult and time-consuming. That’s why we use a secure, online system known as a platform. A platform gives you secure, online access to your investment funds with a transparent, easy -to-understand...
by Brian Downton | J, Sep, 2019 | blog, protection
You might believe you’d be more likely to call on your income protection policy later in your working life, but data from protection insurer, The Exeter, show their average claimant was 40, and on certain products, just 33. Income protection is designed to pay an...
by Brian Downton | J, Sep, 2019 | blog, Pensions
The sooner you start saving, the healthier your pension pot is likely to be when you need to draw on it. But what happens to your pension planning if your working hours reduce, or stop? First things firstIf you join a company you may be enrolled into their workplace...
by Brian Downton | J, Sep, 2019 | blog, protection
If you want to help make sure your loved ones will have financial security if you pass away, life insurance cover is the answer. But, if you’re part of a couple and you both need cover, should you take out single policies, or a joint policy that covers both of you?...
