What would happen to your family if you couldn’t provide for tomorrow?

Life rarely gives warning before it changes. Serious illness or accidents can happen at any time, leaving your family to pick up the pieces, emotionally and financially. Most people assume it won’t happen to them. But thousands of us experience life-changing illnesses or accidents every year.

Without proper protection, your savings might last just months. Without estate planning, your wishes might never be fulfilled. The financial security you’ve worked hard to build can disappear overnight, leaving those you love most vulnerable when they need stability most.

At Heathcote Financial Planning, we help you prepare for life’s uncertainties. From ensuring your income continues if you can’t work to protecting your family’s future after you’re gone, we’ll create a comprehensive plan that delivers peace of mind today and financial security tomorrow.

Why protection and estate planning matter

How long would your savings really last if you couldn’t work?

For most families, the answer is alarming. Three months? Six, if you’re lucky?

Meanwhile, your mortgage payments, school fees and everyday bills keep arriving. Recovery takes time… time your finances might not survive.

The average income protection claim lasts over five years. Critical illness often means months of treatment and recovery. Yet most people have no cover beyond basic employer benefits that rarely pay enough or last long enough.

Passing away brings different challenges. Without proper planning, your estate faces months in probate, frozen bank accounts and hefty tax bills.

Good planning prevents these nightmares. The right protection keeps money flowing when illness strikes. And proper estate planning ensures your wealth reaches the right people at the right time.

Financial planning and investments, mortgage advice for Gloucester, Cheltenham, Worcester, Oxford, Bath, Birmingham, Bristol, Swindon, Reading, Milton Keynes, Richmond, Twickenham, Wimbledon

Protecting what matters

Peace of mind doesn’t happen by accident. It happens by design. We’ll identify your vulnerabilities and build a comprehensive plan that protects what matters most. We can help you with:

  • Life insurance – Term cover for mortgages, whole of life cover for Inheritance Tax, family income benefit for your dependents’ ongoing needs.
  • Critical illness cover – Protect your income if you’re diagnosed with a serious condition, providing vital financial breathing space when you need it most.
  • Income protection – Regular payments if illness or injury prevents you from working, maintaining your lifestyle during recovery.
  • Private medical insurance – Faster treatment options and a choice of specialists, avoiding NHS waiting lists.
  • Business protection – Key person cover for your most valuable employees, shareholder protection for a smooth succession.
  • Relevant life policies – Tax-efficient life cover for company directors and high earners.

Estate planning services

Your legacy deserves more than hope and good intentions. Professional estate planning ensures your wishes become reality, your family avoids unnecessary tax, and your wealth works exactly as you intended. We can help you with:

  • Trust planning – Bare trusts for straightforward gifts, discretionary trusts for flexibility and specialist trusts for complex needs.
  • Inheritance Tax – Maximising your allowances, including the Residence Nil Rate Band, potentially saving your loved ones thousands.
  • Lasting powers of attorney – Ensuring people you trust can act if you can’t, both financially and health-wise.
  • Business succession – Protecting your company’s value and ensuring a smooth transition without destroying what you’ve built.
  • Asset protection – Legitimate strategies to protect your wealth from care fees, divorce settlements and other threats.

How we protect what matters

Protection planning starts with understanding what you’re protecting against. We’ll calculate how much cover you actually need, without leaving you exposed or paying too much in premiums.

We know which insurers suit your circumstances, securing cover others might miss.

Setting up trusts correctly will ensure your assets reach your intended beneficiaries without unnecessary tax. We’ll handle the paperwork, explain the implications and ensure everything works together.

Regular reviews ensure your cover remains relevant as your mortgage reduces, your children leave home, or health conditions develop. And when the worst happens, we’re here to help with claims, removing stress when you and your loved ones need support the most.

Why choose Heathcote?

Choosing Heathcote means partnering with a chartered financial planner who puts your interests first. Here’s what sets us apart:

  • Whole-market access – We find the best cover at the most competitive rates from every available insurer.
  • Expertise – We know which insurers accept different health conditions and lifestyle factors.
  • Integrated planning – Protection works alongside your investments, pensions and tax planning.
  • Trust specialists – Getting the structure right first time avoids costly mistakes later.
  • Compassionate support – From setup through to claims, we handle difficult times with understanding.
  • Ongoing relationship – Annual reviews ensure your financial strategies evolve with your life.

Getting started

Protecting your family’s future begins with an honest conversation about your risks and priorities. So, book a free, no-obligation consultation, where we’ll review your current protection and estate plan, identify any gaps and explain your options clearly.

Don’t wait for a wake-up call that might come too late. Get in touch today to start building the financial security your family deserves.