Protection
The basis for any good financial advice should be protection, you can have excellent tax planning, investment or retirement advice but if you or your family do not have an adequate protection portfolio it could all fall down around you. The majority of people ensure there house and car are insured but do not think of insuring themselves, if they are insured in many cases the cover is totally inadequate, Illness, job loss or the death of a wage earner can plunge families into real financial hardship. Taking a little time to work out how much money you and your family may need in the event of death or illness could be one of the most sensible things you do. You can insure you and your family in the event of Death, Critical illness or loss of income. There are so many different forms of protection available now it is so easy to find a product to meet your need and your pocket. If your partner contributes to the family and this does not mean just in the way of an income you can build a separate policy for them or take out a joint policy covering you both. A lot of my clients had no form of cover, as they did not realise how cheap it would be to protect them.
Focus Financial Group Limited is an appointed representative of Intrinsic [Financial/ Mortgage] Planning Limited, which is authorised and regulated by the Financial Services Authority.
Intrinsic [Financial/Mortgage] Planning Limited is entered on the FSA register (http://www.fsa.gov.uk/register/) under reference [440703/440718].
Your home may be repossessed if you do not keep up repayments on your mortgage.
Think carefully before securing other debts against your home. Your home may be repossessed if you not keep up repayments on your mortgage.