Protecting Your Loved Ones

The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Polestar Financial Planning will be happy to make suggestions that will give your loved ones protection – and you peace of mind.

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Financial protection – for you and your family

PROTECTING WHAT MATTERS MOST

Most people’s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.

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You and yours – estate planning

ESTATE PLANNING – TOO IMPORTANT TO PUT ON HOLD

All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate.

Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. When it could suddenly become all-important it might be too late. After all, accidents and illnesses can and do happen.

This guide will help you prepare effective plans that will help ensure you control what happens to your estate.

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Investing for Children

INVESTING FOR THE FUTURE

Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.

Whatever the reason, tax will be a major factor to consider, as will the risks of giving children too much money too soon. It is therefore important for parents and others to appreciate the basic tax and legal rules, and the investment products that are suitable for children to help achieve the goals set for them.

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Business succession planning

WHEN DISASTER STRIKES…

If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.

If this happens, family and business partners can be left in a complex situation. In some instances, the business ends up in the wrong hands, or in worst cases can fail. These issues apply to sole traders, partners and shareholders in limited companies, and all of this can be avoided with some sensible succession planning.

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Having the right protection in place can make a real difference to those affected by the loss of a loved one or an unexpected illness. We’ve spoken to some of our clients about their experiences:

Interested in any of these topics?

For an informal, no obligation, chat with a consultant please call

(01252) 626200

or email

contact@polestarfp.co.uk

Adviser understands our needs well

The Polestar adviser understands our needs well. He has worked with us over a lengthy period which initially involved clearing up a confusion of financial matters and over recent years supporting and guiding us to a planned approach. Polestar give prompt responses to questions and an organised approach to keeping clients up to date on financial matters.

— RichardAlton

Protecting Your Loved Ones

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Interested in any of these topics?

(01252) 626200

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Adviser understands our needs well