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Risk & Protection

Risk & Protection

A financial plan should remain resilient when life does not unfold as expected.

We help individuals, families and business owners identify the financial consequences of death, illness or incapacity and put appropriate protection in place for the people, income and assets that matter most.

Our Approach

Protecting what you have built

  • Identifying the risks

    We assess the financial impact that death, serious illness, incapacity or loss of income could have.

  • Reviewing existing cover

    We examine existing personal, employer and business arrangements to identify gaps or duplication.

  • Designing appropriate protection

    We recommend suitable cover based on the level and duration of the financial need.

  • Reviewing as life changes

    We revisit your protection following changes to your family, income, borrowing, business or estate.

Financial security when it matters most

Protection planning provides the financial foundation on which the rest of your strategy depends.

We consider the practical consequences of unexpected events: whether your family could maintain its standard of living, whether debts and future commitments could be met, and whether a business could continue following the loss of an owner or key individual.

Our advice may include life assurance, critical illness cover, income protection, family income benefit and relevant business protection arrangements.

Black and white image of buildings, including Canary Wharf / The Gherkin

Protection designed around real needs

  • Family

    Protecting income, housing, education and future financial security.

  • Personal

    Providing support following illness, incapacity or a prolonged loss of earnings.

  • Business

    Protecting ownership, borrowing, key people and commercial continuity.

Get In Touch

If you would like to find out more about Napier Sterling Wealth, please contact us using the information below.

Contact Us

Leave us a message on our contact page.

Get In Touch
Email Us

contact@napiersterlingwealth.com

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Napier Sterling Wealth Limited is registered in England & Wales no. 14435971. Registered Office: 10-11 Great Turnstile, London WC1V 7JU.

Napier Sterling Wealth Limited is an Appointed Representative of Opus Independent Financial Planning Limited which is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. The Financial Conduct Authority does not regulate some aspects of buy to let mortgages and inheritance tax planning.

Past Performance is not a guide to future performance. The value of investments can go down as well as up, and you may get back less than you invested. The levels, bases, and reliefs from taxation are subject to the individual circumstances of the investor, are not guaranteed, and tax legislation may change in the future.

Our details may be checked on the FCA Financial Services Register at https://register.fca.org.uk/. Please note that the Financial Conduct Authority (FCA) does not regulate cash flow planning, estate planning, tax or trust advice.

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