Protection planning

At Hayes Financial Planning Limited, we believe having the right protection in place for the benefit of your loved ones underpins all good financial planning.

We are proud to work with our client to provide honest and comprehensive advice in regards to their protection options and priorities.

We are pleased to be working with companies, such as ‘Daisy First Aid Limited’ to provide advice to their staff to help get the correct, and affordable, plans in place.

What can I protect?

  • Outstanding debt to be repaid in the event of death and/or critical illness
  • Your income
  • Providing additional lump sums on death and/or critical illness to replace lost income/make home adaptations
  • Maintenance payments in the event of death and/or critical illness
  • My health

Where will the money go?

Having the plans written under the right kind of trust is imperative and is often overlooked. This is a legal document that allows you to nominate both Trustee’s and Beneficiaries so you can be confident that the right people receive the money. Trusts also allows the ring fencing of the funds outside of the estate.

Putting the relevant Trusts in place is a service by Hayes Financial Planning.

Are the options flexible?

The plans we advise upon are always based on current circumstances and any immediate changes coming. Life however will change your goals and needs – any protection in place should have the option available to increase or decrease benefits in the event of certain changes.

Our Service To You

For all of our clients, we offer a focused ‘Protection Review’ to enable you to:

  • Understand your current protection plans
  • Identify any gaps and improvements in your planning
  • Provide you with solutions and alternatives to protect you and your family
  • Access to regular ongoing reviews of your planning to fit into your changing needs and life

Trusts are not regulated by the Financial Conduct Authority.

To arrange your no obligation meeting with one of our team please provide your contact details here.

Here to ensure that, when it comes to protecting your estate, you’ll get all the help, advice and support you need.

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

The writing of a Will or Powers of Attorney involves the referral to a service that is separate and distinct from those offered by St. James's Place. Wills and Powers of Attorney are not regulated by the Financial Conduct Authority.

Got a question?

If you would like to speak to us about a particular issue or wish to find out more about the services we offer, please get in touch.