Protection Planning

There are many things to consider when looking to protect your family and your home. Inheritance tax and capital gains tax planning, illness and loss of income (among others) need to be considered in an effective protection planning strategy. You may want to help parents with expensive later-life planning costs, or to support a child with a deposit for their first home. Perhaps you have decided to pay the education fees for a grandchild. But at the same time you will be trying to ensure your family wealth lasts through your own, possibly extended, retirement.

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Protection Planning

No one can predict the future, but everyone should prepare for it. Whatever your plans for the future, whether for yourself, your family or your business, careful financial planning can make a real difference to your life and those you care about, both today and in the future.

We all understand the importance of insuring items such as the family home, vehicles and valuable possessions, but are you confident you have adequate financial protection? If the answer is no then you could be taking unnecessary risks with your future financial wellbeing.

For example, have you considered the following:

  • How you and your family would maintain your lifestyle if you could no longer work?
  • How Inheritance Tax could affect your loved ones when you die or what the effects may be of an increased life expectancy on your estate?
  • What the impact on your business would be if you or another key member were unable to attend work for a prolonged period through accident or sickness?

These questions need to be addressed sooner rather than later, which is why ensuring that your assets and the people who matter are suitably protected lies at the heart of what we do at SeventySeven Wealth Management.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.
You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief generally depends on individual circumstances.

Protection Planning FAQ's
Q: Why do I need protection?
Protection is something which people wish they had, often at the point when it is too late. It provides peace of mind that if anything were to happen to you, financially your loved ones are fully protected. No matter what stage you are in life, it is imperative to review your position.
Q: What types of things can it cover?
Q: What are the risks if I don’t have it?
Q: Is it expensive?
Q: Can I alter it in the future?


You can read or download the full guide to Protection Planning.

Read or download guide


Book a meeting with us today to discuss Protection Planning.

Call us: 01892 770 077