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Building and protecting your wealth

How Advice Can Help Protect Your Home and Finances

Independent financial advisers are your secret weapon in your financial quest. Advice from your adviser can prove invaluable, and as professionals, they can ask the right questions and think of all the important things that you might not.


This article does not constitute advice. Professional advice should be taken prior to acting on any part of it. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


At different points in your life you’ll need to prioritise certain financial goals; you simply can’t do it all, all the time. But having the advice of a trusted financial adviser to guide you throughout each stage of your life can not only help you achieve your goals faster, but they might be able to help you in ways you never expected.


Advice and protection as your life goals change

For example, maybe when you first purchase a home, your main concern is being able to afford your monthly mortgage payments. Of course, you will eventually need to balance out this responsibility with saving for your future and protecting your wealth, but at the time, anything else might not be on your radar.


If you share your goals with your adviser, they’ll help you plan how you can reach them under your current circumstances, or longer term.


In this scenario, professional advice and support from a mortgage broker and financial adviser, can prove essential. On top of mortgage brokers helping you find the right mortgage deal for you when you initially buy your home, they’re useful when it comes time to remortgage as well.


“Having been so disappointed with high street lenders, I have used Darren Scott-Guinness and his team to arrange a mortgage on two occasions. He offers a truly bespoke service that not only is professional and most efficient but friendly and personal. He is always contactable and has managed to secure us an excellent mortgage deal in a very difficult financial market. I have no hesitation in recommending him and will continue to rely on his financial advice in the future.”
Mr Luff, Consultant Surgeon


Change your thinking

It might be tempting to pocket the extra change you free up when you remortgage, but the better place to put that money is into a protection plan.

You worked hard to be able to afford your home, and protection policies will help your family stay in your home should anything happen to you or you’re unable to work. At this stage of your life, affordability is unlikely to be an issue so do what you can to protect your wealth.

You might have some savings to help you if you’re off work for in the short term, but do you have enough to last an extended period? Do you have the savings that would prevent your family from losing your home if you pass away?

It’s easy to think “it won’t happen to them,” but the truth of that matter is that illness and injury don’t discriminate so you don’t know what the future holds.


Case study: Critical illness insurance

Offering specific services at crucial points of your life is just one of the ways financial advisers can help you protect you.

Dr. T Wright shares how critical illness insurance paid off his family’s mortgage when they needed it most.

“It’s been a difficult personal time for us and Darren and his team have been fantastic – compassionate, helpful, quick to respond to emails and phone calls and always doing their upmost to ensure we are supported through the process.”

View Case Study


Don’t delay, work with a professional now

It’s best to develop a partnership with a financial adviser as early as you can — someone you trust and can check in with throughout your life. They’ll be keenly aware of your financial situation, your responsibilities to your family and loved ones, and what exactly you risk losing if you don’t have the right protection in place. Don’t hesitate to get in touch with us to schedule time to go over your wealth protection policies today.


Want help to protect your wealth?
Investments | Financial Planning | Retirement | Save Tax | Protection |

Dental & Medical Financial Services have been helping doctors and dentists to build and protect their wealth, whilst saving tax for over 25 years.
Call Darren to discuss your options.

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