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.

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

Let us help you put everything in place to make sure your Will and a Lasting Power of Attorney are in order. These are crucial to effective financial planning, and sound advice is a must.

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The future can be uncertain, but we will help make sure you’re as prepared as possible. We provide advice and services covering all forms of life insurance, critical illness cover and disability insurance.

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St. James's Place provides a wide range of services and solutions for trustees. We will always discuss matters personally and in detail, and place these on record.

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There’s a lot to consider when planning for later life. We can help you with Inheritance Tax planning, making Gifts and funding long-term health care.

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If you’re concerned about saving for care home fees in the future, or facing the possibility of paying these fees now, St. James's Place can help you and your family sift through the options.

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You can mitigate Inheritance Tax in various ways. We will take the time to understand what you need and work closely with top law firms to make sure you’re fully protected.

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To create a worthwhile exemption from Inheritance Tax, you need to understand how to make a gift of money or assets. We will take a look at your circumstances and help you to make the most of your gifting allowances.

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When a loved one dies, dealing with their finances can be time-consuming and stressful. We will help you to understand what you need to do from a legal, financial and tax perspective.

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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.