Vita Financial Planning
Vita Financial Planning

Protection Planning

Protecting you, your family or your business

Unforeseen events happen. Some may seem inevitable. Financial protection policies are at their most valuable when protecting homes, incomes and families from these circumstances, we can help advise and guide on all areas of protection from; Mortgage cover, to Family Income Benefit, to Business Share protection, to Inheritance Tax protection planning.

 

"Fun is like insurance; the older you get the more it costs"

- Kin Hubbard

 

Protecting you

Just as much as our property and assets need protection, so do we as individuals. For those of us who have family and others reliant upon us, we need protection against loss of income, temporary or even permanent. Income protection is a safety net, a harbour from a storm, or just simply building up an emergency pot of money in case of short term issues.

 

family

 

Protecting your assets

Through ongoing monitoring, we will review investment and saving strategies as your needs change, and we will also review your protection policies to ensure they are always suitable and cost-efficient for you, your family and business needs.

In the early years of life your focus is usually on mortgage protection or loans to support you in raising a young family, moving on that journey takes us to protecting you with a growing family, and maybe your own business and then on to more mature needs of sheltering assets and your wealth from problems such as inheritance tax, to the planning for possible nursing home fees. In all of this you need choices, control and the flexibility throughout it all, and the support and advice of a Whole of Market adviser.

We have over 17 years' experience in helping individuals, families and small businesses set peace-of-mind protection plans in place.

 

"The personal right to acquire property, which is a natural right, gives to property, when acquired, a right to protection, as a social right"

- James Madison (4th US president)

 

Protecting your business

Building up a business into a profitable, bottom-line focused enterprise is hard work, involves long hours and is vulnerable to many problems, surprising events and sometimes distracting legislation. Damage limitation plans start with thoughtful financial planning.

In a small business, you are often responsible for all departments with the buck stopping with you for everything. It is very easy to forget or even ignore the basics of efficient life assurance or pension planning. If you do not do it, no one else will do it for you. Along with your accountant we can help put the right plans in front of you, so that you can implement the right choices for you, your family and business.

There are a number of very good strategies to consider: Death in Service, key man assurance, shareholder protection, cross options agreements to protect the instance of a death of one of the main shareholder/directors. We are knowledgeable about these, and can guide you towards the best option. As we say, better to have the choice, the control and the flexibility to make the right, informed decision than to pick up the pieces afterwards.

 

 

Why have a personal financial plan?

 

Private School Fees Planning

However you choose to invest in your children, private schooling or higher education, and regardless of your financial situation, there are good reasons why you should plan for this cost. There are large cost savings and tax efficient routes to consider, and plan for, but these things need to be planned early.

 

Whatever your circumstance, with effective planning we can help in reducing the impact of the cost of education. Together, we look at your various financial choices, we explain clearly what your options are allowing you to make an informed decision that is right for your circumstances.

We help you with;

 

 

The value of your investments can go down as well as up and you may get back less than you invested.

 

 

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families

Family

We help protect you and your family's future.

 

 

 

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families

Small Business Owners

We help you accumulate personal wealth and make your assets work for you so that you don’t have to.

 

 

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families

Widows & Widowers

We support you with the complex and daunting financial choices at a stressful time, to make the right choices for you and your family.

 

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families

Retired & Retiring

Planning for the longest holiday of your life. - We help you to plan it right.

 

 

 

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Vita Financial Planning Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.

 

The Financial Ombudsman Service was set up by Parliament to sort out individual complaints that consumers and financial businesses aren't able to resolve themselves. Details of how the Financial Ombudsman Service can help can be found on their website at www.financial-ombudsman.org.uk/consumer/complaints.htm or you can ring the consumer help line on 0800 023 4567 or 0300 123 9123.

 

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