PROTECTING

Dennis & Graham are able to assist with Protecting you, your family and your home. What would happen to these things if you became critically ill, lost your job or died?

GR&A IFA have access to all Protection providers and can tailor these policies to your individual needs & requirements, whether this is to fit in with your budget or to provide you with full protection in all areas.

The important factors that you need to bear in mind when deciding on protection products are:

• How much you are prepared to pay each month?
• The type of cover you feel is important to you?
• How would your financial situation change if anything happened to either one of you?

LIFE COVER & WHOLE OF LIFE COVER	CRITICAL ILLNESS	FAMILY INCOME BENEFIT
PERMANENT HEALTH INSURANCE	ACCIDENT, SICKNESS & UNEMPLOYMENT COVER	PRIVATE MEDICAL COVER

INVESTING

Dennis is able to assist with other areas of Financial Planning and has access to the whole market place.

Dennis will assess your current circumstances and the performance of your Investments and Pensions. Dennis will discuss you aims and attitude to investment risk and whether your existing plans are still meeting your aims and objectives, it is very important to work with you and spend time determining what is important to you.

A report can be prepared and recommendations made as to the best course of action for you.

If it is established that everything you have is satisfactory we would advise you to leave your investment where they are however it is surprising how many people have funds which are invested in poor performing products or where they are unaware of the risks they are taking with their investments.

With debt increasing many clients find it hard to save and Dennis may be able to help with some Financial Planning advice on how best to reduce debt and save on a regular basis for the future.

RETIRING

Retirement planning is another key area where we can hep our clients whether it is saving long term towards retirement or whether you are looking to take your pension benefits now or in the near future. We find that many clients who are looking to retire now take their benefits from their existing provider, not realising that there may be more beneficial ways of taking these benefits, in particular if they have been diagnosed with an illness.

With property values rising dramatically many clients are looking for guidance on how best to protect their families Inheritance for the future and again this is an area that Dennis can offer guidance on.

INVESTMENTS

RETIREMENT & PENSION PLANNING

INHERITENCE TAX PLANNING