Wealth management is essential the act of maximising your capital and also mitigating it from potential losses. Wealth managers can help you make long term financial plans that can help you organically build you wealth over time and with correct financial planning you can ensure your capital is protected.

There is no guarantee that your capital will grow and you could lose money.

Yes, the FCA (Financial Conduct Authority) oversees many of the financial markets in the UK, and this included the wealth industry also. It is always advisable to check to see if the individual or company you are working with is FCA regulated and this can be checked on the FCA register.

Wealth management is for everyone, you need not be 'rich'. The market in recent years has seen a huge change in entry requirements and now each year investors with smaller funds are entering the market. We think this is great as financial advice should be as accessible as possible.

We wish we could say yes, but the answer is no. All investments carry risk, some more than others. Investments are usually designed for a long term approach, but even still your capital is always at risk and you may not get out all that you put in.

No, protection is not a mandatory requirement. It is however something that is highly recommended, policies need not be expensive and can be tailored to fit your budget. Having a policy can give you peace of mind and ensure that your lifestyle and income is protected should something unforeseen happen.

Protection policies are used to protect your income if you cannot work, cover your mortgage or a pay an amount to your family should the worse happen, or pay you a lump sum if you are diagnosed with a critical illness. Essentially policies can protect the following: Income, Mortgage, Lifestyle.

Providers of protection products have made changes to make claiming on a policy should you need to a very straight forward and easy process, as simple as emailing or making a phone call. Your advisor can guide you through the process and all providers publish their statistics on what % of people are successfully paid out following a claim and in 2023 this was 97.4% of claims were paid out. So if your claim is genuine you need not worry about not being paid out.

Prices can vary greatly, Life Cover is often the cheapest and can start from £5 a month! Income protection can also be very cost effective and can be used to pay up to 70% of you wages, or less should you chose. Policies can start from £10, but it is important to ensure your income is protected sufficiently. Due to the likelihood of a claim critical illness cover is one of the more expensive forms of cover, but again can be tailored to match your budget. As always recommend you get in touch with us here.