Liam Smith

Can the right protection help you become more financially resilient?

Have you heard of the ‘protection gap’? You probably know someone who’s fallen into it.

Most of us know to get travel or pet insurance, or even just insure our mobile phone. But when it comes to really big life events, cover can easily get overlooked – causing a gap.

Far too many people aren’t properly protected against life-changing events, like losing their job or not being able to work because they’ve fallen ill. Which means that when these things do happen, they can have a much bigger impact than they need to.

Luckily, cover like income protection and critical illness can help people become more financially resilient. So, if you do have a financial shock, it doesn’t have to turn everything upside down. And it can be surprisingly simple and affordable.

If you’ve had a big milestone recently, or a change in your circumstances, it might be the right time to relook at your protection needs.

Reach out to me and I’ll be happy to help.

I help individuals and families make confident financial decisions by creating clear, tailored plans designed around their goals. Whether it’s planning for retirement, investing for growth, or protecting what matters most, my focus is on delivering advice that is practical, transparent, and effective. I hold the Diploma for Financial Advisers (DipFA) qualification and have also passed Level I of the Chartered Financial Analyst (CFA) Program - a globally recognised qualification in investment analysis and portfolio management. This gives me a strong foundation in both financial advice and investment principles. I chose to work with Quilter Financial Advisers because their scale, research expertise, and robust governance mean I can dedicate more of my time to what really matters - understanding my clients and helping them achieve long-term success.