Marcin Kmieciak

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 wanted to become a financial adviser as I have a real, real passion for helping my clients from the start of their financial journeys and continue to be there throughout their lives. I have a real passion for providing a personal service to my clients and hope that my friendly and professional approach helps customers feel confident and at ease when it comes to making important financial decisions.

Extended bio: I’m a financial adviser with a passion for helping people make sense of their money and plan for the future. I provide holistic financial advice across Bedfordshire and the surrounding areas, taking the time to listen carefully so that every aspect of your financial needs is understood and looked after. The main reason I became a financial planner was to help people make better decisions about their money. I enjoy working with clients to build and preserve wealth through tax-efficient investing, protection, and retirement planning. My aim is always to bring clarity and confidence to your financial future. Before moving into financial advice, I spent 20 years in IT support, where I honed my skills in listening carefully and solving complex problems. Those same qualities now shape the way I work with clients - taking the time to understand their goals and finding practical solutions that fit their needs.

Outside of work, I’m married with twins who keep my life busy and fun. At home, I share my space with our dog Shaun the Shih-Tzu, and Oreo the cat.