Independent Financial Advisers · Chartered Financial Planners · Discretionary Wealth Managers

Worcester: 01905 613453
Evesham: 01386 422611

Independent Financial Advisers · Chartered Financial Planners · Discretionary Wealth Managers

Protection

  • How insurance can best be used to protect your health and finances
  • Expert advice on inheritance tax liabilities and ... 
  • Avoiding commission charges, to reduce costs

Protecting the financial security for you and your family is of the utmost importance to us when providing our holistic financial planning service.

We take pride in building long term close business relationships with our clients and it is our responsibility to advise you on the possible and the unforeseen whilst providing you with a solution that ensures your standard of living is not compromised if the unexpected happens.

We will effectively take you to the edge of the abyss, to take a look in and consider the worst that can happen, but then provide for the financial implications that may arise. We cannot prevent death or illness or the emotional consequences but we can provide for the financial ones....

Worryingly, research tells us that an increasing number of the UK adult population has little or no life insurance or protection policies in place; despite most having financial dependents, such as a partner or children.

Unfortunately, we have also seen the devastating effects of clients losing their partners, who may not have been adequately covered had it not been for our professional protection advice. We understand clients may not wish to think of the worst case scenarios like these when discussing their financial needs, however, addressing them may prove vital to the welfare of your dependents for the future.

Commission can still be received from Insurance companies when arranging protection policies, but as fee based advisers, by not receiving commission, policy premiums can be substantially reduced, meaning less cost to you over the term of the policy. We will show you the difference it can make.

Being Independent means that we have access to ALL companies in the market, unlike a ‘Restricted’ adviser, when advising on pensions and investments. We also consider all companies in the protection market to ensure the best advice is provided. We have no bias towards a particular provider, meaning recommendations are purely based on the right solution for you.

We provide expert advice in the following areas:

  • Life protection – including Term Assurance, Family Income Benefit & Whole of Life
  • Critical Illness
  • Income Protection
  • Mortgage Protection
  • Private Medical Insurance
  • Inheritance Tax Liabilities

Whether you wish to provide for your family’s financial position from ill health and death, or ensure your liabilities are sufficiently covered, we at McCarthy Taylor will be happy to advise.

As a client, you will also have the peace of mind that from the acceptance of our recommendation, to setting up the protection policy, or in the event of a claim, we will be there to assist.

We can also offer advice on any tax implications through our full advice service that is customised to the client, including addressing the wider implications of having appropriate cover.

Through our connections with trusted local solicitors, we can ensure legal requirements are met, which synchronise our advice with estate planning, trusts and family requirements that may have a financial impact.