The knowledge behind our work together.

Health, income and family assets

I help you choose cover for hospital stays, surgery and emergencies, with a clear picture of your care options and the costs you pay yourself. For your family, we estimate the capital or benefits they would need if death or inability to work affected your income. We also consider protecting your home and contents against fire and other risks.

Investments, savings and retirement

I connect financial analysis with the way you save or invest. Whether you are just starting or already have experience, we consider making use of available capital, diversification, and building funds for retirement or other needs.

Through insurance-based investment plans, we explore selected portfolios of mutual funds. I explain the rationale, costs and risks of the options, and we review your plan at our meetings. Every adjustment is discussed and made with your approval.

Business protection and continuity

I assess risks that may affect your premises, equipment, stock and operations. Planning includes fire and property insurance, liability cover, directors' and officers' liability, and cyber risks, as well as protection against the loss of people critical to the business through Key Person insurance.

I also support you with surety bonds and trade credit insurance. To invest through a legal entity, we consider lump-sum or regular contributions to an insurance-based investment plan, with a separate assessment of needs and accounting treatment.

Employee benefits and retention incentives

Through quality group health, life and retirement plans, I help your business provide meaningful employee benefits and support the attraction and retention of valued people. For savings and retirement planning, we examine how employer contributions and plan terms can support a long-term reward policy.

We tailor benefits to your budget and workforce, and help employees understand how to use them.