Financial Environment


Some financial decisions are taken out of our hands. If you have a mortgage, the lender will insist that the property is adequately insured. If you have a business, there are legal requirements relating to insurance.

Most financial matters, however, leave us with choices:

Some, are relatively easy – such as whether to have life assurance to protect your family in the event of unforeseen circumstances.

Other decisions – for example, about pension planning matters, or savings and Investment – are significantly more complex.

Some areas of vulnerability may not have actually occurred to you. Such as, Cover to protect you in the event of a Critical Illness, or protecting your income if you are ill and unable to work.

The benefit of good and unbiased advice

No matter how simple or complex such decisions may appear, taking unbiased financial advice will prove to be of significant benefit. Even with apparently straightforward insurance policies, it is often the case, that, on re-examination, more comprehensive cover can be obtained at a lower premium cost.

The ever-changing environment

It is important to recognise that we are living in a rapidly changing financial environment. State pension benefits have been reduced, the availability of income support on mortgage payments in the event of sickness or redundancy has been amended, statutory sick pay has been revised, and reduced, and the financial consequences of an elderly member of the family needing residential or nursing care can be substantial.

 As the ‘safety net’ provided by the State is contracting, our future financial well-being is increasingly dependent on the decisions we take for ourselves today. How do you negotiate your path through this minefield of products, where every provider tells you that their product is the best ?