The power of starting your retirement plan early
Many people reach their 50s before they look closely at their retirement plans. By then they may have several pensions,
Wealth
Income protection
Independent expert advice on income protection and financial planning.
9/10
would recommend Tees
94%
extremely satisfied with quality of service
Protect yourself and your loved ones against financial loss
Independent insurance advice that is right for you and your family
Could your household keep up with the mortgage or rent, bills and everyday costs if illness or injury stopped you from working? Income protection can provide a regular payment when you are unable to earn, while a wider financial plan can help your family prepare for both expected milestones and unexpected events.
"Tees patiently explained everything in detail. They offered an excellent, professional, honest, trustworthy and friendly service."
Why protecting your income matters for family financial security
Your ability to earn is often one of your family’s most valuable financial assets. If that income stopped, savings and employer sick pay might cover costs for a time, but they may not support a longer absence. The impact can be especially significant if you are self-employed, the main earner or responsible for dependants. With the right financial planning, you can:
- help meet mortgage or rent payments and household bills
- protect savings set aside for emergencies or future goals
- maintain childcare, education and other family commitments
- reduce pressure to return to work before you are ready
- support long-term plans, including pension contributions and retirement
Taking a ‘whole of market’ approach, we can offer:
- life insurance – term and whole of life insurance
- life insurance to cover your mortgage
- critical illness and income protection cover
- funeral plans
- succession planning
- business protection cover.
When should you review your financial plan?
A financial adviser can help you balance immediate protection with saving, investing and retirement planning, so your arrangements support one another. You should also review your financial plan regularly and whenever life changes. A review can identify gaps, duplication or cover that no longer matches your needs.
Our independent financial advisers take a whole-of-market approach and recommend protection based on your circumstances and priorities. Because Tees offers joined-up legal and financial services, we can also work with our legal colleagues where your plan involves wills, powers of attorney, business interests or estate planning.
Talk to us about protecting your income and creating a financial plan for your family. We will explain your options clearly and help you make informed decisions with confidence.
Independent insurance advice, alongside your legal needs
Tees is a top-tier Legal 500 firm offering joined-up legal and financial services. We have our own independent financial advisers (IFAs), who work closely with our lawyers to help you put appropriate financial protection in place for you, your family, and your business.
Our advisers take a holistic approach to financial planning and, because we are not tied to a particular insurance provider, can consider a wide range of products from across the market. This means we can provide independent advice on insurance protection tailored to your individual circumstances and priorities.
Whether you are looking to protect your family’s financial security, safeguard your income, cover business risks or plan for the unexpected, our advisers can help you understand your options and choose appropriate protection.
Our IFAs are regulated and authorised by the Financial Conduct Authority, which means we’re accountable for the advice we give.
Get in touch today, we’re here to help
Our clients have a wide range of financial circumstances, from high-net-worth individuals with complex financial arrangements to those looking for straightforward protection for themselves and their families.
We also have particular experience supporting clients in the agricultural sector. We understand that personal and business finances are often closely connected, and can take both into account when considering your insurance and financial protection needs.
We have offices across Cambridgeshire, Essex and Hertfordshire, but we can help you wherever you are in England and Wales.
Our experience in protection
Key people
Frequently asked questions
-
–
-
–
-
–
-
–
Get in touch
Please complete this form and one of our team will be in touch with you shortly.
Alternatively, you can call us now.
Phone
Office Hours
Mon–Fri: 9:00am – 5:30pm
Tees Law does not provide Legal Aid. You can find more information here about Legal Aid and eligibility requirements.
Send us an enquiry
Fill in the form below and one of our team will get back to you.
By submitting this form, you agree to our privacy policy and consent to being contacted about your enquiry. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
This material is intended to be for information purposes only and is not intended as an offer or solicitation for the purchase or sale of any financial instrument. It is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Past performance is not a reliable indicator of future returns and all investments involve risks including the risk of possible loss of capital. Some information quoted was obtained from external sources we consider to be reliable.Tees is a trading name of Tees Financial Limited which is authorised and regulated by the Financial Conduct Authority. Registered number 211314.Tees Financial Limited is registered in England and Wales. Registered number 4342506.
What our clients say
★★★★★
“Entrusting the accumulated wealth of a lifetime’s endeavours is one of the most important decisions a person makes. Our experience with Tees allows us to feel confident that our money is in safe hands.”
★★★★★
“Thank you to you and the team for all your help. You really put my mind at ease with the paperwork and information—it all felt quite daunting. It was a pleasure to meet you, and thanks again.”
★★★★★
“Adrian listens carefully and offers impartial, invaluable advice that has helped me achieve my retirement and lifestyle goals. I highly recommend him for his excellent people skills and clear, straightforward guidance. ”
Featured insights
Why more single women are exploring property wealth in retirement
For many women, retirement planning is about more than building a pension. It’s about maintaining independence, managing changing financial needs,
Do I need life assurance or critical illness cover when I retire?
Retirement is a good time to review your finances, including any life assurance and critical illness cover you have. The
Additional voluntary contributions (AVCs): A guide for UK pension savers
For many people approaching retirement, the realisation that their pension pot won’t stretch as far as they’d hoped comes later
Frequently asked questions
What should a family financial plan include?
A family financial plan should bring together your household budget, emergency savings, protection needs, debts, pensions, investments and longer-term goals. It should also consider wills and powers of attorney. The right priorities will depend on your circumstances, so regular reviews are important.
How often should I review my financial plan?
It is sensible to review your financial plan at least once a year and after a major life event, such as buying a home, starting a family, changing jobs, receiving an inheritance or approaching retirement. A review helps keep your savings, investments and protection aligned with your goals.
How can financial planning protect me?
Financial planning can help your family manage current commitments and prepare for unexpected events. This may include maintaining an emergency fund, arranging suitable income protection and life cover, managing debt, saving for education and retirement, and putting appropriate legal arrangements in place.
Do I need a financial adviser to make a financial plan?
You can take useful steps yourself, such as setting goals, reviewing spending and building savings. A financial adviser can add value by assessing your position as a whole, explaining suitable options and helping you balance protection, investment and retirement priorities. The advice should be tailored to your needs and reviewed over time.
You might also need
As a business owner, we understand that you have specific requirements when it comes to managing your wealth.
By planning your finances efficiently and well in advance, you can ensure you don’t pay more tax than you have to.
Using the equity in your home can be a good way of helping you achieve your financial goals. The first step for our equity release team is to help you decide whether equity release is right for you.
As we get older, many of us will need care at home or in residential care, both of which can be expensive. Planning how to manage your finances and assets to pay for care can minimise long-term costs.
