Intended audience

This website is intended to provide financial education and information on insurance and protection planning. The content of this site is for information purposes only and should not be relied upon as any form of individual provider or policy recommendation. Every individual and family have different financial situations, personal views and unique needs. Therefore, my comments here may not apply to your own situation, it is not intended to be financial advice and the thoughts and opinions of this site are solely my own personal views, along with some useful facts and comments. If you are unsure of the right decisions to take with your personal finances, then you should seek professional advice which can only be provided as part of an in-depth and personal process.

I do work as an independent financial adviser in Essex as part of Paragon Independent Limited where I help individuals and families manage their wealth, including recommending suitable financial products. This is not connected to the activities of in any way, other than if people make enquiries via this website to me personally seeking advice. With that in mind, if you would professional and independent financial advice in the areas of investment planning, retirement planning, tax planning, estate planning, protection and mortgage advice, then please get in touch.

The information provided is based on my understanding of the relevant legislation and regulations at the time of writing and may be subject to alteration as a result of changes in legislation or practice. Also it may not reflect the options available under a specific product which may not be as wide as legislations and regulations allow. All references to taxation are based on my understanding of taxation law and practice at that time of writing and may be affected by future changes in legislation and individual client circumstances. You should therefore not rely on this content for your own personal financial decisions.

Cookie and privacy policy

Privacy, Data Access, Licensing & Copyright, Cookies and Social Media policies

Privacy does not request any personal information unless you want to be notified when a new article or guide is published or send me a direct message or enquiry.

Leaving a Comment on an article

I do not allow comments on my articles.

 Subscribing to

If you subscribe to my protection planning articles and other free guides you will receive a newsletter style email, no more often than once per month. The content is produced irregularly and there is no commitment to contact you over this period. My commitment is to not email you any more regularly than once per month. If you no longer wish to receive these, at the bottom of each email there is an unsubscribe option which will delete your email address from the subscription list.

Data Storage and Mailing list

I will retain your email address and full name when you sign up to the blog/newsletter. You need to also be aware that this data will be accessed outside of the UK, most often within other countries within the EU. On occasion, it may also be accessed outside of the EU. As the data is personally managed by me, I require access to it wherever I happen to be in the world as I work on this website in my spare timeYou are granting me permission to do this so please contact me if you do not want this and I can remove you from the list.

Accessing your data (Subject Access Request)

If you want to see a copy of the information I hold about you, you are entitled to do this under section 7 of the Data Protection Act. To request this, please me email at with “SAR” in the title.

Please specify the Name and Email address you used so I can locate your information. The law permits me one calendar month to respond to a Subject Access Request.

The email needs to come from the email address you used, so I can be sure that I am not sending personal data to the wrong person.

Other Sites contains many links to outside sites. I am not responsible for the privacy policies and practices of these sites. If you arrived at from a third-party site, I am not responsible for the privacy policies and practices of the owners or operators of that third-party site. You must check the policy of each site you visit and contact it if you have concerns or questions.

Licensing & Copyright name and logo are trademarked. The name and logo can only be used with my express written permission. Legal action will be taken against anyone who breaches this copyright.

I have copyright over all the text in the articles other than where a text has been reproduced, such as re blogging. Where I do not have copyright over such posts, this will be clearly marked as to where the text has come from.

  • If you are a non-commercial organisation, you may quote small pieces from an article (but not reprint whole articles) freely if you credit me appropriately, see Creative Commons Attribution-NonCommercial-NoDerivs for details. If you are unsure please contact me – and I will probably be happy to share what you are producing.
  • If you are a commercial organisation, please contact me.
  • The pictures on come from a wide variety of sources. Most of them come from the excellent and interesting free photography produced at Most of my photos have no copyright restrictions but some of them do. If you want to use a picture in an article you are writing, please contact me. You can share any pictures on Social Media, Professional Forums or elsewhere if you link back to the relevant page.


This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third party applications like Google Analytics.

There is no advertising on this website to third parties so no advertising cookies are used. However, I will track the conversion statistics of users visiting the website from my own advertisements (ads placed on Google Search and Linkedin etc. who are then directed to my website).

As a rule, cookies will make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser or taking a look at the About Cookies website which offers guidance for all modern browsers.

On some pages, there may be ‘embedded content’ from another site such as a YouTube video, Twitter or Infogram. These sites may set their own cookies.

Social Media uses a wide range of social media sites to complement the website and to connect with peers and other professionals. Social media is used to:

  • Share my recent protection planning articles and guides.
  • Promote website and services.
  • Exchange ideas about personal finance.
  • Pass on information from relevant individuals and bodies in the same area of work. may not respond to your tweets, but will always try and respond to emails and messages. Social Media responses will not be provided within any set timescales although if someone is to receive a reply it is usually within 48 hours. If you want to contact me, it is best to email me directly at will sometimes link or refer people to other sites and is not responsible for the content on any other site and neither the site nor content is endorsed.

The content I provide is solely for financial information and education – it is not intended to be financial advice and should not be relied upon.

If you have any queries or concerns, please contact me at

Thank you