Protection Planning | Fogwill & Jones Wealth Management

Advice that fits your life

Protection planning.

Even the best financial plans can be disrupted by life’s unexpected events. Protection planning gives you a financial safety net, providing peace of mind that you, your loved ones, and your business are covered, whatever happens.

HERE FOR THE DECISIONS THAT COUNT

Why it matters.

Financial resilience is part of smart planning

Unexpected illness, loss of income or the death of a family member can have serious financial consequences. Protection ensures that your long-term goals aren’t derailed by short-term disruption.

The right cover protects more than money

It supports your lifestyle, your family’s future, and the people who depend on you – giving reassurance during life’s most difficult moments.

YOUR GOALS. OUR EXPERTISE.

What we help with.

Tailored protection for individuals and families:

Life insurance – providing for your loved ones in the event of your death
Critical illness cover – offering a lump sum if you’re diagnosed with a serious illness
Income protection – ensuring regular income if you’re unable to work due to illness or injury

Tailored protection for business owners:

Key person protection – protecting your business if a key individual is unable to work
Shareholder & partnership protection – enabling ownership to be retained within the business
Business loan protection – covering outstanding business debt in the event of illness or death
Relevant life policies – tax-efficient life cover for company directors and employees

Protection planning gives you confidence in your future.

EXPERT ADVICE. PERSONAL SUPPORT.

Our approach.

We look at the bigger picture

We start by understanding your full financial picture, personal and business, then recommend solutions that reflect your needs, goals and budget.

Independent and impartial

We’re not tied to any insurance provider, so you can be confident that the cover we recommend is selected for the right reasons – yours.

Flexible advice that grows with you

As your circumstances change, we’ll revisit your protection plan to make sure it continues to meet your needs and priorities.

EXPERT ADVICE. PERSONAL SUPPORT.

Our approach.

We look at the bigger picture

We start by understanding your full financial picture, personal and business, then recommend solutions that reflect your needs, goals and budget.

Independent and impartial

We’re not tied to any insurance provider, so you can be confident that the cover we recommend is selected for the right reasons – yours.

Flexible advice that grows with you

As your circumstances change, we’ll revisit your protection plan to make sure it continues to meet your needs and priorities.

We look at the bigger picture

We start by understanding your full financial picture, personal and business, then recommend solutions that reflect your needs, goals and budget.

Independent and impartial

We’re not tied to any insurance provider, so you can be confident that the cover we recommend is selected for the right reasons – yours.

Flexible advice that grows with you

As your circumstances change, we’ll revisit your protection plan to make sure it continues to meet your needs and priorities.

Your Goals. Our Expertise.

What makes our advice different.

Real-world cover, not just policies
We take the time to understand how your life, family or business would be affected by a loss, then recommend protection that provides meaningful, practical support when it’s needed most.

Advice without assumptions
There’s no pressure – just calm, clear guidance based on your current position and what you want to protect. You stay in control at every stage.

Forward-looking, not reactive
We help you prepare for the “what ifs” without losing sight of your bigger goals. As life changes, we’ll keep your cover aligned with your circumstances – before gaps can appear.

Protect what matters most - so you can plan with confidence.

Ready to review or establish your protection plan? Key benefits:

Financial security for you, your family or business
Tailored advice from Qualified Financial Advisers
Access to a wide range of providers and policies
Protection integrated into your overall financial plan
Ongoing support to review and adapt your cover over time

Case study

Guided by Robert Wilkinson, Independent Financial Adviser

Protect what matters most - so you can plan with confidence.

Ready to review or establish your protection plan? Key benefits:

Financial security for you, your family or business
Tailored advice from Qualified Financial Advisers
Access to a wide range of providers and policies
Protection integrated into your overall financial plan
Ongoing support to review and adapt your cover over time

“The team explained all my options in everyday language and helped me choose the protection cover that best meets my family’s needs.”

Client Testimonial

Step 1

Get in touch for a free consultation with one of our advisers. No commitments at this stage.

Step 2

We’ll share some initial thoughts and suggestions. You decide if you’d like to go ahead.

Step 3

Become a client and receive tailored, ongoing financial advice that grows with you.

A CLEAR PLAN FOR BUILDING LASTING VALUE

Building & managing your wealth.

RETIREMENT, ON YOUR TERMS

Planning for your retirement.

PROTECT WHAT MATTERS MOST

Protecting your family & estate.

CLARITY AND CONFIDENCE FOR BUSINESS OWNERS

Service for businesses.

FINANCIAL PEACE OF MIND

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