Wealth Protection — Safeguard your assets, secure your legacy

We help you identify and close protection gaps that can erode wealth — from unexpected health emergencies to legal exposure and inadequate estate plans. Our solutions are practical, compliant, and aligned with your family goals.

Core services

• Insurance review & optimization — Life, health, critical illness, motor and property insurance audits to remove overlaps and fill gaps.
• Emergency fund strategy — Liquidity planning to handle job loss, medical events, and major life shocks without dismantling investments.
• Estate planning — Wills, nominations, and basic trust structures to ensure smooth transfer of assets and minimize family friction.
• Asset protection & structuring — Legal and tax-aware approaches to limit exposure to creditors and lawsuits.
• Succession & legacy planning — Aligning your financial and family goals to create a lasting, tax-efficient legacy.
• Regular protection audits — Annual reviews to ensure coverage, beneficiaries, and documents remain up-to-date.

Insurance is not an expense — when chosen correctly, it’s a risk transfer tool that preserves wealth. We guide you to the right mix of protection for your unique situation.

Focus areas

• Life insurance — Adequate cover for dependents plus policy selection (term vs endowment).
• Health & critical illness — Proper family floater vs individual plans and gap cover strategies.
• Property & liability — Home insurance, motor, and third-party liability protections for asset safety.
• Business protection — Key person insurance, buy-sell funding, and business continuity planning.

Clear, legally-sound estate plans prevent disputes and ensure your wishes are executed smoothly. We work with you and legal partners to create practical documentation.

• Wills & nominations — Drafting guidance and checklist for clarity and enforceability.
• Trusts & family structures — When appropriate, using trusts for tax efficiency and controlled wealth transfer.
• Power of attorney & healthcare directives — Preparing for incapacity in a dignified and lawful manner.

Practical tips to start today

• Review beneficiary nominations on all accounts and insurance policies.
• Keep an emergency fund of 6–12 months of essential expenses.
• Consolidate overlapping insurance policies and avoid over-insurance.
• Schedule an annual protection audit — life changes (marriage, children, business) change your protection needs.