When taking a journey, we plot our route and work out how we're going to get from A to B. Not just knowing where B is but when we want to reach our destination. What we can't know is when and where we're going to hit the congestion and more importantly how we're going to navigate around it, indeed if at all.

That's precisely what financial planning is. Establishing that route from A to B and knowing what we're going to do when something presents itself to throw us off course.

We offer a comprehensive financial planning service, which in brief breaks down as follows:

# Retirement Planning -
When do you want to retire and how much income will you need?

# Evaluating Your Protection Needs -
How much would your family need to maintain their current lifestyle if you were no longer around?

# Income Protection -
What regular income or a cash sum would you require if you suffered a serious illness or disability?

# Making Your Capital Work For You -
Are you making the best us of your capital and investments?