(your biggest asset isn't what you own — it's what you earn)
Your income funds everything else on this list. Where it comes from, how secure it is, and what happens if it stops — that's what we consider here.
If you couldn't work tomorrow, what happens?
It's a simple question that most people haven't properly answered. Does your employer pay you? For how long? If you're self-employed, there's probably nothing at all. Understanding this is the starting point — not the end.
Income protection isn't just about insurance.
Yes, there are policies — and sometimes they're exactly the right answer. But income protection in the broader sense means understanding everything that contributes to your financial security. Earned income, investment income, rental income, workplace benefits, your partner's income. The full picture.
For most of our clients, their investments already provide enough to live on. They're financially free. But they didn't get there by accident — and they didn't get there by ignoring this question.
Have you joined your employer's scheme?
Many employers offer permanent health insurance as a benefit. If yours does, join it. It's usually free or heavily subsidised — and it's one of the easiest decisions you'll ever make.
We also look at how long your employer would continue to pay you if you were off sick. Three months? Six? A year? The gap between that and your actual needs is what matters.
The goal is to not need any of this.
Financial freedom means your income from investments, pensions, and other sources covers your needs — permanently. At that point, income protection becomes less about protecting yourself and more about what you do with the surplus.
Which connects directly to gifting, tax planning, and how you pass wealth on. Everything links together.
What we consider:
Usually it's a straightforward conversation. But it's one that needs having.
How this fits into your wider plan
Income touches everything. What you earn determines what you can save, invest, protect, and ultimately pass on.
We don't sell income protection policies.
We work out whether you need one — and if you don't, we move on.
