Following the birth of their first child, Sanjay and Asha were concerned about their financial security. They wanted to take steps to ensure their family would be financially secure, even if the worst should happen.

Although they each received some employee benefits, their knowledge of the details was limited, and they were unsure of how best to plan for all eventualities.

The new parents were worried that, in the event of either of their deaths, the surviving partner would struggle financially. This was coupled with concerns over how it could have a detrimental impact on their son’s future, in addition to the emotional challenges of such an event.

We started by reviewing Sanjay and Asha’s current situation and considerations for their future plans. As a result, we were able to advise a strategy that covered their debt liability, a separate lump sum that would provide security, and an annual income that would help cover the cost of raising a child through to their son’s 21st birthday.

The amounts provided were reflective and complementary to their existing employee benefits. As both Sanjay and Asha held medical insurance, we also removed the duplicate cover on their son, saving a little tax too.

The amounts covered and terms required differed for each aspect. Nevertheless, we were able to affect a multi-benefit plan via a single provider that covered all their needs, simplifying the process should a claim need to be made. As the couple are hoping to welcome more children in the future, securing a plan that could be updated to reflect this was also a key consideration.

Tackling the issue was quite a daunting discussion at first. However, the knowledge that they now have comprehensive and flexible cover in place has reduced both parents’ anxieties around security should something happen to either of them.

We also introduced Sanjay and Asha to a solicitor to draw up wills and Powers of Attorney for them, allowing their wishes to be known should anything happen to them.

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005