Strategy
Financial decisions work better when considered together.
Insurance, saving and investment decisions affect one another. Before considering a new product, it helps to understand your commitments, the protection you already have and the money you need to keep accessible.
The first meeting
What we discuss in our first meeting.
We talk about your income and commitments, existing insurance and the goals you want to plan for. You do not need to arrive with a financial plan. The aim is to establish which questions deserve attention first.
How they connect
Your decisions aren’t isolated.
Every side of your financial life connects to the others. Choose a point to see how it fits into the whole picture.
Short-term funds should not necessarily be treated in the same way as money set aside for long-term goals.
We review policy limits, deductibles, healthcare networks and important restrictions.
We discuss how loans and other financial commitments could be addressed if something serious happened.
We consider whether existing cover and sums insured reflect your needs.
We discuss your time horizon, tolerance for fluctuations and capacity for loss.
We look at property, liability and employee-related insurance needs.
These choices aren’t examined in isolation. Every decision affects the others, within your own financial picture.
The four layers
The four layers we look at together.
- 01
MY HEALTH
Your healthcare needs, existing cover and the costs you would want to be able to manage.
Health insurance - 02
MY FAMILY
The financial commitments and needs of the people who depend on your income.
Life insurance - 03
MY ASSETS
The risks affecting your home, other property and business, and the protection you already have.
General insurance - 04
MY FUTURE PLANS
Saving, retirement and available investment options, in light of your time horizon and attitude to risk.
Investing & capital growth
For business owners & companies
When your personal and business financial picture connect, risk management needs a wider view.
Connections
Three situations where the decisions overlap.
Investing and accessible funds.
Money set aside for a property deposit in two years has a different time horizon from retirement savings. That distinction affects the amount of investment risk you may be able to take.
Family and financial commitments.
A mortgage or children who depend on your income can change the amount of insurance protection your family needs. Suitable cover depends on your actual commitments and the policy terms.
Business and personal finances.
For a business owner, a major loss or third-party claim may also affect personal income. We consider business risks and available insurance options without assuming that every loss is insurable.
Next steps
What happens next.
Once we have identified your priorities, we can discuss options within the scope of our services and, where appropriate, matters that should be addressed with other professionals.
Your arrangements can be reviewed as your circumstances change.
The solutions
Solutions for your business.
From property and liability through to guarantees and staff benefits. Take whichever applies to you.
- The operationCommercial general liabilityLiability to people affected by your day-to-day operations, premises and products.
- The expertiseProfessional liabilityLiability for the services, design or advice the business provides.
- The leadershipDirectors & officers (D&O)Cover for the people who manage, for claims arising from their duties.
- The digitalCyber insuranceFinancial cover and specialist response when a digital incident occurs.
- The projectConstruction All RisksProtection for the works throughout construction or refurbishment.
- The receivablesTrade credit insuranceProtection for trade receivables, and a credit-management tool in its own right.
- The opportunitySurety bondsAn additional source of guarantee capacity for tenders and contracts.
- The peopleGroup schemesLife, health and pension benefits for the people in the business.
The first conversation
Start with a conversation.
Tell us what is on your mind and which objective you would like to explore.