Your Partners in Financial Planning
We provide comprehensive financial planning and protection solutions tailored to individuals, employees and business owners. From group risk and retirement benefits to business assurance and professional will-drafting services, we are committed to protecting what matters most and helping you build a secure financial future.
Investment Planning
We create tailored investment strategies with appropriate product structures to help you grow, protect, and manage your wealth with confidence, aligned to your unique goals and risk profile.
Is your money working as hard for your future as you are today?
Retirement Planning (Compulsory money)
Pre-Retirement Planning
Pre-retirement planning focuses on building and preserving wealth during your working years. It involves setting retirement goals, growing your savings through appropriate investment strategies, and ensuring you have sufficient capital to support your desired lifestyle in retirement.
- Personal Retirement Annuity
- Group Pension/Provident fund
Post-Retirement Planning
Post-retirement planning focuses on managing your wealth after you retire. It includes structuring sustainable income streams, preserving capital, managing investment risk, maximising tax efficiency, and ensuring your financial resources continue to meet your needs throughout retirement.
- Living Annuity
- Life Annuity
- Hybrid Annuity
Discretionary Investments (Voluntary money)
- Tax Free Savings Accounts
- Platform and Direct Unit Trusts (Local and Offshore)
- Life Wrapped Investments (Endowments/Sinking funds) (Local and Offshore)
Life Cover
Life cover provides a lump-sum payment to your beneficiaries in the event of your death. It is designed to help protect your family’s financial future by covering expenses such as debt, living costs, education, and estate obligations.
Dread Disease (Critical Illness) Cover
Dread disease cover provides a lump-sum benefit if you are diagnosed with a specified serious illness, such as cancer, heart attack, or stroke. The payout can be used for medical expenses, lifestyle adjustments, income replacement, or any other financial needs during recovery.
Income and Lump Sum Disability Cover
Income disability cover pays a regular monthly benefit if you become temporarily or permanently unable to work due to illness or injury. Its purpose is to replace a portion of your lost income and help you maintain your standard of living.
Lump sum disability cover pays a once-off benefit if you suffer a qualifying permanent disability. The payout can be used to settle debt, adapt your home or vehicle, cover medical costs, or provide long-term financial security.
Risk Planning
We help protect your income, assets, and loved ones through personalised risk solutions designed to provide financial security when life is unpredictable.
If the unexpected happened tomorrow, would your family be financially secure?
Estate Planning
We work with you to structure your estate efficiently, ensuring your wishes are honoured and your legacy is preserved for future generations.
Have you decided what legacy you want to leave behind?
Wills
Clients can have their wills professionally drafted in partnership with Garlicke & Bousfield. The completed wills are securely stored for safekeeping, free of charge.
Group Risk Benefits
Employer-sponsored insurance that provides financial protection to employees and their families. It may include group life cover, disability income benefits, funeral cover, and critical illness protection.
Group Retirement Benefits
Workplace retirement arrangements, such as pension or provident funds, through which employers and employees contribute toward employees’ long-term retirement savings.
Business Assurance
Insurance and financial arrangements designed to protect a business against financial loss caused by the death, disability, or critical illness of an owner or key employee.
- Contingent Liability Insurance: Protects a business or guarantor by providing funds to settle debts when a person whose life is linked to that debt dies or becomes disabled.
- Key Man Insurance: Covers the life or disability of an employee, director, or owner whose skills and contribution are vital to the business. The payout helps offset lost income, recruitment costs, and operational disruption.
- Buy-and-Sell Arrangements: An agreement funded by insurance that enables the remaining business owners to purchase the ownership interest of an owner who dies or becomes permanently disabled. This provides financial value to the departing owner or family while supporting business continuity.
Business Planning
We help businesses build sustainable futures through tailored group retirement solutions, employee benefits, succession planning, and risk management strategies.
Are you doing enough today to secure the future of your business and your employees?
