Client Login
FCA Regulated
Chartered Status
Whole of Market
5-Star Rated
Transparent Fees
First Equitable business owner planning at a glance
Location: 3rd Floor, 14 Castle Street, Liverpool L2 0NE, serving Liverpool, Merseyside, the Wirral and the North West
What we advise on: life insurance, critical illness cover, income protection, private medical insurance, and business protection
Advice type: independent and whole-of-market, cover compared across the market rather than one insurer
Credentials: Chartered status, FCA regulated (FRN 782577), a named adviser on every case
Getting started: free initial consultation at our cost, with no obligation
The four types of cover, and what each is for
Most people need some combination of these rather than all of them. The right mix depends on who depends on you and what would actually happen if your income stopped.
- Life insurance pays a lump sum or income if you die, so your family can clear the mortgage and keep their standard of living. The most common and usually the cheapest cover.
- Critical illness cover pays a lump sum if you are diagnosed with one of a defined list of serious conditions. It buys time and choices at the point you need them most.
- Income protection replaces a proportion of your income if illness or injury stops you working. Statistically the most likely of these to be claimed on, and the most commonly overlooked.
- Private medical insurance covers the cost of private treatment, usually valued for speed of diagnosis and access to treatment.
Why independent advice matters more here than people expect
An adviser who can only sell one insurer’s products works within those definitions. We compare them across the market, which is where the real difference between a policy that pays and a policy that argues tends to sit.
Our wealth management services
Pension & Retirement Planning
The Whether retirement is decades away or just around the corner, we help you build a strategy to get there. Pensions advice, consolidation, drawdown and annuity purchase, all explained in plain English by a dedicated adviser.
Wealth Management
Growing your wealth is one thing, keeping hold of it is another. Independent, whole of market advice on savings and investments, wealth preservation, and trusts and inheritance tax planning, built around what you actually want your money to do.
Protection Planning
Life rarely gives notice. Life insurance, critical illness cover, income protection and private medical insurance, arranged so your family and your income are covered if the worst happens, without paying for cover you don't need.
Financial Planning for Business Owners
Running a business leaves little time for your own finances. We bridge the gap between the two, advising on company pension schemes, corporate savings and investments, and protection, working alongside your accountant and legal advisers.
Wills & Power of Attorney
Making your wishes clear now saves your family difficulty later. We help you put a valid will in place and set up a lasting power of attorney, so the right people can act if you no longer can.
Probate & Estate Administration
Administering an estate is daunting at the worst possible time. We guide executors through the grant of probate, settle debts and taxes, and distribute the estate properly, with a fixed quote agreed before any work begins.
Writing life cover in trust
This is the single most valuable thing many people never get told. A life insurance policy left outside trust usually forms part of your estate, which means it can be taxed at 40% for inheritance tax and cannot be paid out until probate completes.
Written in trust, the same policy pays out to your family quickly and outside your estate. It generally costs nothing extra to arrange, and it is one of the clearest wins in financial planning. We arrange this as standard where appropriate, alongside our trusts and inheritance tax planning advice.
Protection for business owners
If you run a company, the same principles apply to the business. Shareholder protection provides the cash for surviving owners to buy out a deceased shareholder’s shares. Key person cover compensates the business for losing someone critical. Relevant life cover provides company-paid life cover for a director, usually as an allowable business expense. See our business owner planning service.
What our advice costs
Your first consultation is free, at our cost, with no obligation. For protection and insurance we may be paid commission by the provider rather than charging you a fee directly, and we will always tell you clearly how we are being paid before you commit to anything. Where a fee is more appropriate we agree it with you in writing in advance. Full detail is on our charges page.
What our clients say
How to get started
Book a call or get in touch and we will arrange your free consultation at our Castle Street office, at your home, or by video call. We will work out what would actually happen financially if you could not work, then recommend the cover that closes the gap. See our process page.
Regulated advice you can check
