Financial Protection
Risk is often talked about but seldom understood and acted on. Arranging suitable protection against the consequences of risks becoming real events is essential.

Cullen FP are used to arranging all types of protection for people and businesses as part of our detailed investment and planning reviews. We regularly research available products for each type of protection on the market, check rates and ensure that the premiums you pay are competitive in the market.

Personal Protection
At a personal level, unexpected events such as serious illness, redundancy or bereavement all have financial consequences as well as a very real human cost. Recognising these possibilities, then taking suitable measures to mitigate such events, makes sense. Ensuring that you arrange protection plans to navigate your way financially through these sorts of difficulties, is an essential part of the work we undertake with you during your financial review.

Business Risk
If you manage or own a business, risks are often more complex and can have great impact on the bottom line. You have probably worked hard to build a team of competent colleagues around you. Losing a key manager to long term illness, incapacity or death can severely impact profitability and yet can be insured against.

Experience tells you that cash flow is king. Buying back shares on the death of a shareholder can often prove too much for a business. Arrangements can be made to inject cash to buy back the shares from those who inherited them and also protect profits in a period of financial stress.