Monday 20 October 2014

Why poor Walt should have seen a Financial Adviser

Why poor Walt should have seen a Financial Adviser

For those of you who haven’t seen the hit TV series Breaking Bad, the story follows Walt, a chemistry teacher who’s diagnosed with lung cancer and his radical approach to ensuring the financial security of his family on his evitable demise.

If you put Walt’s money laundering, corruption, extortion and generally becoming a criminal mastermind aside, would Walt have acted differently if he had known that he would be diagnosed with lung cancer?  He probably would have.

Obviously not counting the numerous laws he’s breaking, Walt’s real predicament is that he should have seen a Financial Adviser earlier in life and had simple family income benefit policy put in place.  This would mean that whether he was diagnosed with lung cancer or suffered a fatal accident his family would have received a lump sum pay out and/or monthly income for the rest of their dependency and his whole life of crime could have been prevented.

We are a society that is very quick to assume that we will never be diagnosed with a terminal or critical illness or be involved in a fatal accident.  But if that were to happen, what would your family do?


Life insurance is not as expensive as you think considering the consequences of not ensuring the financial security of your family, should something happen.  Why not speak to a Financial Adviser today?

Monday 13 October 2014

Are you a member of the sandwich generation?

The term ‘Sandwich Generation’ typically defines people between the ages of 45 and 60 who are caring for both elderly parents and children.

Research conducted by Aviva in 2014 has shown that most people are aware of becoming ‘sandwiched’ but don’t plan for things like:

·      Reducing their working hours (and income) to care for an elderly parent.
·      Helping an elderly parent/child with rent/mortgage payments
·      Helping out children that rely on the ‘bank on mum and dad’ whilst in further education.


If this is something you are concerned about, contact us on 01636 870 069.