The cornerstone of your financial planning strategy will be to ensure financial security for your family in the event of unforeseen circumstances.

Illness, job loss or the death of a wage earner can plunge families into financial hardship. Taking a little time to assess your risks and calculate how much money would be needed to cover debts and provide your family with an income for the future could be the most sensible thing you do today.

As a rough guide, ten times the wage earner‘s annual income is considered sufficient. However, the actual figure will clearly depend on many variables including age, number of dependents, assets and liabilities.

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Independent Financial Advisors

Offshore & Tax effecient Investments

life insurance and protection