Protecting your family - S4 Financial

| Protecting your family

When you start a family, it is inevitable that your financial priorities and goals for the future will change. You will want to ensure that you are in the best financial position to support your children and protect them against whatever challenges life may bring. It is also vital to ensure that, should the worst happen, those who depend on your income will not suffer financial hardship and uncertainty at an already difficult time.

Give your children the best start in life

We all want the best for our children – and there are many ways our wealth can be leveraged to achieve that. You might be looking to send your child to an independent school, build up savings and investments on their behalf, put aside money or assets for when they reach adulthood, or help them with a significant purchase such as a property or a wedding.

Whatever your goals for your children’s future, S4 Financial is here to help you achieve them.

Our approach is centred on cashflow modelling, a scientific approach to financial planning that uses data about your current financial situation to make predictions about what the future might look like according to a range of scenarios.

For example, you might want to see how much you would need to save in order to be able to send your child to private school for 14 years (the total duration of primary and secondary school education in the UK). Your cashflow model would take the resources you have now and use this information to predict what you will need to save or invest in order to cover the shortfall, accounting for variables such as inflation, investment performance and economic conditions to build a fully rounded forecast of your future finances. Your adviser can use these projections to create a tailored investment plan to ensure you can comfortably finance your child’s education for as long as is needed.

Protect what is most precious to you

When you have worked hard to build up your wealth, it is vital to have a plan in place to preserve and protect it. Wealth and personal protection is an indispensable part of any wealth management plan, to ensure a secure future for both yourself and your family should something unexpected happen.

For example, what if you were to lose your income due to illness or injury, or if you died prematurely? Would your family be able to continue enjoying the standard of living to which they are currently accustomed? Could they afford an unexpected Inheritance Tax bill? Do you have an exit or succession plan for your business to ensure your interests can be passed down smoothly to the next generation?

At S4 Financial, we have a wide range of tools at our disposal to ensure your wealth and your family are protected against financial shocks, offering our clients security, certainty and peace of mind. From taking out comprehensive protection cover in the form of a life or critical illness policy, to utilising tax-efficient trusts to safeguard your assets, we are here to ensure that your wealth continues to protect your loved ones long after you are gone.

| Let’s protect your family, together

When you have dependants relying on your income, it can feel like the weight of responsibility is entirely on your shoulders. Partnering with us means that you can share that load. Let us support you in protecting your wealth, so that we can safeguard your family’s future, together.