It feels normal to insure our homes, cars, valuables and even our pets. It’s also normal to underestimate our own value by not insuring or under-insuring ourselves. Shying away from conversations about the impact of ill health or death means we haven’t always thought through the impact if the worst were to happen.

Good health and income enable us to lead the lives we want and allow us to make lifestyle choices for ourselves and our families. Most of us have to work hard for what we have and are always dreaming of what life could be like. Whether your hopes and dreams are to fund your children’s next steps or more focussed on living the life you want – we know and have seen how these can be jeopardised by unexpected events.

Understanding and selecting the right protection for you and your family is fundamental to your financial security and provides peace of mind. You wouldn’t want to risk everything you have worked for and dreamt of, when having the right cover in place could provide the safety net you need.

We take the time to understand your needs before exploring solutions to suit your circumstances and budget. We’ll keep reviewing these with you regularly as life has a habit of changing your plans along the way.

Find out how we can protect your finances, and provide financial security for you and your family.



We’re a blend of expert knowledge, skills and passion – and we’d like to think the ultimate formula for great financial planning.

Life insurance

What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Our specialist team can help you find the one most suitable to meet your requirements.

Income protection

What is it?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

Who is it for?

This type of plan is designed for anyone whom is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. Our specialist team can help you find the one most suitable for your requirements.

Critical illness

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a critical illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. Our specialist team can help you find the most suitable one that best meets your requirements.

Business protection

Helping to protect the future of your business

Do you depend heavily on the skills and judgements of others within your business? Are these people vital to its effectiveness and profitability? If so, have you considered the financial impact that the death or critical illness of such a key person would have on your business? The impact could be:

  • A loss of profit
  • An interruption to cash flow
  • An inability to make loan repayments
  • A change in shareholder control

In some instances, the financial impact could be so great, that the business is unable to continue. Business Protection allows you to put in place cover that would ensure that funds become available, should a key person in your business become critically ill or die.

We can help you with the following protection

  • Key person insurance
  • Share holder protection
  • Group protection
  • Business loan protection
  • Relative life plans

Call us today for a tailored solution for your business needs.



They say, ‘money makes the world go round’. We prefer to say, ‘people make the world go round’. Your life, your hard work, your hopes, your dreams. Every step of the way, we’ll be there.

It’s our goal to help you build you a financially secure future.


We’re financial advisers with a difference.

With over 25 years of experience, our role is to provide you and your family with the financial confidence to live life however you want to, now and in the future.

We help to create the financial confidence, you create the memories.



Our financial services are designed to put you first and determine the most effective way to achieve your goals. It’s expert financial advice unique to you.

Financial Planning


Inheritance Tax


Retirement Planning


Protection Planning


Investment Planning


Mortgage Planning



We understand that financial planning can be complex, if not daunting. Our goal, together with you, is to help guide you to a secure financial future, allowing you to confidently enjoy today, and tomorrow.