Lizzie Mannering - Fortune Financial

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Lizzie Mannering - Fortune Financial Fortune Financial Planning Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. This will be disclosed to you.

First Complete Ltd is authorised and regulated by the Financial Conduct Authority. What will you have to pay us for our services? Insurance

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend. Mortgages

We will charge up to 1% of the mortgage advance with a minimum fee of £500.00. A fee of 1% on a mortgage of £100,000 would mean a fee of £1000.00. A fee of up to 2% on specialist mortgage applications. A fee of 2% on a mortgage of £100,000 would mean a fee of £2000.00. The fee charged is payable on application for all purchase applications. The fee charged is payable on completion for all remortgage applications. The amount we will charge is dependent on the amount of research and administration that is required. You will receive a mortgage illustration which will tell you about any fees relating to a mortgage. You will not receive a refund if your mortgage or loan does not go ahead. We will also be paid a procuration fee from the lender. The amount of the procuration fee will be disclosed to you. If an application is submitted to a lender via a packager, we will be paid commission by the packager.

What would happen to my children financially if something happened to me?That was the question a single parent recently ...
15/10/2026

What would happen to my children financially if something happened to me?

That was the question a single parent recently brought to me. There wasn’t another household income to fall back on, so getting the protection right was especially important.

We discussed far more than simply repaying the mortgage. We considered:

• Everyday living costs
• Childcare and education
• How long the children could remain financially dependent
• Who would receive and manage any payout
• What was affordable now

We then created a personalised protection plan designed around her children and the future she wanted to secure for them.

These conversations can feel daunting, but avoiding them doesn’t remove the risk.

Having a clear plan gave this client something extremely valuable: reassurance that she had taken practical steps to protect her children.

Protecting your children isn’t just about paying off the mortgage. 💙It’s about making sure their future is financially s...
07/10/2026

Protecting your children isn’t just about paying off the mortgage. 💙

It’s about making sure their future is financially secure, whatever happens.

A little planning today can provide a lot of reassurance for tomorrow. 🫶

“What would happen to my children financially if something happened to me?”That was the question a single parent recentl...
07/10/2026

“What would happen to my children financially if something happened to me?”

That was the question a single parent recently brought to me.

There wasn’t another household income to fall back on, so getting the protection right was especially important.

We discussed far more than simply repaying the mortgage.

We considered:

• Everyday living costs
• Childcare and education
• How long the children could remain financially dependent
• Who would receive and manage any payout
• What was affordable now

We then created a personalised protection plan designed around her children and the future she wanted to secure for them.

These conversations can feel daunting, but avoiding them doesn’t remove the risk.

Having a clear plan gave this client something extremely valuable: reassurance that she had taken practical steps to protect her children.

A little about me 💗 Mum, protection adviser, and someone who understands that life can change. My children are my why an...
06/10/2026

A little about me 💗 Mum, protection adviser, and someone who understands that life can change. My children are my why and helping you protect yours is what drives me.

Message me if you’d like to chat about your family’s protection.

Lizzie - 07305 086477

05/10/2026

A client recently asked me to check a policy they had arranged online.

The monthly premium was low, but the cover didn’t match what they thought they had bought.

The policy term ended too early, the amount hadn’t been calculated around their actual commitments, and an important area of protection had been missed completely.

We went back to basics:

• What did they need to protect?
• How long did the risk exist?
• What cover did they already have?
• What could they comfortably afford?

The result was a personalised recommendation they understood and cover with a clear purpose.

Buying protection based on price alone can be a false economy. The cheapest policy isn’t good value if it fails to meet your needs.

Before replacing or cancelling any existing policy, always take advice and make sure new cover is fully in place.

One of the most overlooked people in a family’s protection plan is often the parent who earns less or isn’t currently ea...
29/09/2026

One of the most overlooked people in a family’s protection plan is often the parent who earns less or isn’t currently earning at all.

A family I recently helped had insured the main earner but hadn’t arranged cover for the parent looking after their young children. They hadn’t considered the financial value of everything that parent did.

If they were no longer there, the family could suddenly need to pay for childcare, school runs, household support and reduced working hours.

We calculated what that practical support might cost and arranged cover based on the family’s genuine needs.

Protection should never be based only on who brings home the largest salary. It should consider what each person contributes and what the family would need if that contribution disappeared.

Is everyone your household depends on properly protected?

“If I don’t work, I don’t get paid.”That was the reality for a self-employed carpenter I recently helped.He had savings,...
24/09/2026

“If I don’t work, I don’t get paid.”

That was the reality for a self-employed carpenter I recently helped.

He had savings, but when we calculated how quickly they could disappear if illness or an injury stopped him working, it was a real concern.

His mortgage, bills and family’s living costs would all continue even if his income didn’t.

We looked at:

• How long his savings could support him
• The minimum monthly income his family would need
• How quickly he would want the cover to begin
• A premium that remained affordable

We then arranged personalised income protection designed around his circumstances and budget.

Insurance cannot stop someone becoming ill or injured. But the right cover can reduce the financial impact and give them space to concentrate on recovering.

When did you last work out how long you could manage without your income?

There’s no better feeling than hearing that a client feels confident, informed and properly protected. 💙These four recom...
15/09/2026

There’s no better feeling than hearing that a client feels confident, informed and properly protected. 💙

These four recommendations reflect exactly what I want every client to experience:

✨ Clear, jargon-free explanations
✨ Advice tailored to their family and circumstances
✨ Protection they genuinely understand
✨ Ongoing support when their needs change

Protection isn’t just about arranging a policy. It’s about knowing what you have, why it’s right for you and having someone there to keep everything under review.

A huge thank you to Nick, Matthew, Steve and Elle for trusting me to protect what matters most and for taking the time to share such lovely feedback.

If you’re unsure whether your current life insurance, critical illness cover or income protection still meets your needs, send me a message to arrange a friendly, no-obligation review.

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+447305086477

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