31/03/2020
I wanted to let you all know the office is now shut, all of our team are working remotely, business as usual, I am no longer conducting face to face meetings but am here to support in any way I can – using mobile, Skype and Zoom where possible.
These are challenging times for us all and we are all being affected in many different ways. I understand how stressful and concerned some you may be feeling at the moment.
Firstly I hope that you and those close to you are healthy and safe. Times like these are a stark reminder of what is most important and taking care of the well-being of our families and our community is our shared and first priority.
You should all know that I cover all aspects of financial planning, I am happy to help friends/relatives and colleagues.
Here are some of my top tips:
If you have a mortgage, contact your lender for your three month payment holiday if required – I can give you lender names and your account numbers if arranged by us
If you hold protection policies, it’s imperative that you keep these going where possible, we are already seeing insurers are changing their products and underwriting stances in response to the Coronavirus.
If you need to make a protection claim then the numbers are below:
Aviva:
Claims: 0800 015 1142
Guardian:
Claims: 0808 173 1821
Legal & General:
Claims: 0800 068 0789
LV=:
Claims: 0800 756 5869
MetLife:
Claims: 0800 917 1333
The Exeter:
Claims: 0300 123 3201
Vitality:
Claims: 0345 601 0072
Zurich:
Claims: 0370 241 6980
Where you income has been affected, review your direct debits and see where you can make savings (gyms, subscriptions, charities, luxuries, entertainment etc)
I’d stress that if you are concerned about, or have symptoms relating to Coronavirus, you should contact the NHS online to ensure up to date guidance by going to https://www.nhs.uk/conditions/coronavirus-covid-19/
If you are concerned about your investments then consider switching to a lower risk fund and reducing the income you are taking if you can
You are able to reduce, pause or stop your contributions into your investments with us
Equally, you are able to add funds and increase direct debits whilst the markets are low to your investments.
I am happy to review any investment products you have that are not under our control
If you are a business owner, there are many new tax breaks and government incentives that I am happy to chat through
Lastly, the government have announced help for the self employed, HMRC will be contacted those that are eligible in due course with information to help.
I hope that the above is helpful and ideally you won’t need to make use of it, but if you do fall ill or need broader support, the information could be invaluable. Do get in touch if you want to discuss any aspect of protection, mortgage or investments, or the wider impacts of the Coronavirus on your financial position.
Stay safe all!
NHS advice about coronavirus (COVID-19), including what to do if you think you have it and how to reduce your chances of getting it.
