Income Protection Planning

Safeguarding your finances
during challenging times

Because no one knows what's around the corner

Planning for the future, today

Dealing with an illness or injury can put a serious strain on your finances. If you’re no longer able to work, you may not be able to cover your outstanding bills like rent or mortgage, and you may struggle to maintain your current quality of life as a result. The best way to prepare for such an eventuality is with income protection planning.

Income protection planning involves creating a plan to secure a reliable source of income if you become unable to work due to illness, injury, or disability. This includes considering options such as income protection insurance, personal savings, and government benefits to create a safety net that will help you cover your key expenses and keep up your standard of living. Of course, we understand that planning out this strategy can be daunting. That's why having a team of friendly and experienced experts by your side can make all the difference.

How we work

At Lester Brunt, we're here to support you and your family during challenging times. Our advisers take the time to get to know you personally, making sure they understand your unique requirements in depth. We’ll work with you to create a contingency plan that will help mitigate the financial impact of unexpected situations and give you peace of mind. You’ll be able to rest easy knowing that your financial well-being is taken care of, and that you and your family will be able to continue living comfortably should difficult circumstances develop.

Expert protection planning services


In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.


Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

What does our income protection planning service involve?

Although the exact process will depend on your personal circumstances, here are some of the steps we can consider during the income protection planning process:

Income and Risk Assessment

We’ll assess your current financial situation, looking at your salary, bonuses, commissions, and any other sources of earnings you may have. We’ll also explore potential risks and threats to your income, such as health issues, disability, job loss, or industry-specific risks. By understanding these factors, we can create a strategy that suits your needs and helps you navigate any challenges that may come your way.

Insurance Coverage

We offer access to a range of insurance policies (such as disability insurance, critical illness insurance, or income protection insurance) and will help you decide if there is an option that meets your situation and goals. Our advisers will analyse, compare, and identify the policy that offers the best price and most beneficial features for you.

Budgeting and Financial Planning

We’ll develop a detailed financial plan that covers budgeting, expense management, and long-term financial goals. This plan may also include retirement planning to help secure a consistent income after retiring, as well as planning an emergency fun to protect against unforeseen income disruptions. All of this will help secure your financial stability and flexibility in any situation.

Estate Planning

We’ll guide you through the process of preparing important documents to safeguard your assets and make sure your wishes are respected. This includes creating wills, trusts, and powers of attorney.

Will writing and Powers of Attorney involve the referral to a service which is separate and distinct to those offered by St. James’s Place and along with Trusts are not regulated by the Financial Conduct Authority.

Tax Considerations

We’ll help you understand the tax implications of different income protection strategies, insurance benefits, and investment choices to optimise your financial situation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Expert protection planning services

For over a decade, the advisers at Lester Brunt have been dedicated to helping individuals secure their financial future. With a wealth of expertise in policies, tax matters, budgeting, and more, we’re able to craft a personalised income protection plan that perfectly aligns with your financial goals.

Income protection planning is a continuous journey, and your strategy should be regularly reviewed and updated to suit your changing circumstances. As time goes on, we’ll be right here by your side to keep it current. We’ll consider any changes in your income, personal situation, and evolving financial goals to make sure your plan remains as relevant as the day it was first drawn up. Rest assured, we’re committed to supporting you throughout the entire process.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.


Want to find out more?

Get in touch today to see how one of our advisers could help you.





Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at

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