Protection Planning
Helping you safeguard your financial plan, so the people and priorities that matter most are protected from life’s uncertainties.
Planning for the unexpected with confidence.
A strong financial plan does more than help you move towards your goals. It also protects the foundations you have worked hard to build. Protection planning ensures that, should the unexpected happen, you and your family have the support and financial security you need.
I help you understand the types of protection that may be relevant to your situation and guide you in putting sensible, well-structured cover in place as part of your wider financial plan.
What effective protection planning helps you achieve
Effective protection planning can help you:
- safeguard your family and financial commitments
- support your income if illness or injury affects your ability to work
- protect your long-term goals from unexpected events
- give you confidence that your plan is resilient
- create peace of mind for you and those you care about
Protection is not about selling products. It is about strengthening your financial plan so it can withstand life’s challenges.
My approach to protection planning
1. Understanding your responsibilities and priorities
We begin by exploring the people, commitments and goals you want to protect. These shape the type and level of cover that may be appropriate.
2. Reviewing your existing arrangements
I review any protection policies you already hold and assess how they align with your needs, responsibilities and financial plan.
3. Exploring suitable protection options
I explain the different types of cover that may be relevant, such as life assurance, critical illness cover or income protection, and how they could support your financial plan. All recommendations are made in a clear, straightforward and compliant way.
4. Keeping your protection plan up to date
As your circumstances change, such as family life, employment or financial commitments, your protection needs may change too. I review your arrangements regularly to ensure they remain suitable and aligned with your goals.
How protection planning differs from other services
Protection planning focuses exclusively on resilience and security — ensuring your financial plan is robust.
It differs from:
- Wealth Management, which manages and grows your investments
- Retirement Planning, which focuses on income and timing later in life
- Tax Planning, which considers allowances and efficiency
- Estate Planning, which focuses on passing on wealth
Protection Planning complements these services by supporting the long-term stability of your entire plan.
Shaun Hart FPFS, AIFP, CFPCM, Certs CII (MP & ER)
- 01273 486 220
- 07876 386 577
Shaun Hart is a Fellow of the Personal Financial Society and a holder of both the Chartered Financial Planner and Certified Financial Planner (CFPCM) qualifications.
Note that life insurance and financial protection plans typically have no cash value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Life insurance products vary, and suitability depends on individual circumstances. Always seek advice from a qualified professional before making any decisions.
Our Core Principles
The principles that guide every client relationship and every piece of advice I give.
Stewardship
I act with care and responsibility in every decision, protecting your interests as if they were my own.
Optimism
I approach every challenge with a positive mindset and belief in what’s possible for your future.
Excellence
Precision
I focus on clarity, accuracy, and attention to detail in every aspect of your financial plan.
Outperform
I aim not just to meet expectations, but to continually raise them, for myself and my clients.