{"id":4614,"date":"2016-06-19T16:41:48","date_gmt":"2016-06-19T15:41:48","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/services\/retirement-planning-copy\/"},"modified":"2020-07-20T13:21:57","modified_gmt":"2020-07-20T12:21:57","slug":"protecting-your-loved-ones","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/services\/protecting-your-loved-ones\/","title":{"rendered":"Protecting Your Loved Ones"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-4614\" data-postid=\"4614\" class=\"themify_builder_content themify_builder_content-4614 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_ufie896 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_oj6k606 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_43eh550 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4439 lazyload\" title=\"pic4\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic4\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                <div class=\"tb_text_wrap\">\n            <h1>Protecting Your Loved Ones<\/h1>\n<h3>The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Sky Blue Wealth Management will be happy to make suggestions that will give your loved ones protection &#8211; and you peace of mind.<\/h3>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module text -->\n<div  class=\"module module-text tb_cmot066   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Related Publications:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_lmi3086\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_ee6t508 first\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_gmdi788 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7137 themify_builder not_editable_builder in_the_loop\" data-postid=\"7137\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_atop356 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_e2m2906 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_ps0b573 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-ps0b573-0\" class=\"tb_title_accordion\" aria-controls=\"acc-ps0b573-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Financial protection \u2013 for you and your family<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-ps0b573-0-content\" data-id=\"acc-ps0b573-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7056 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers4.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PROTECTING WHAT MATTERS MOST<\/p>\n<p>Most people\u2019s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_gfi7372 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7110 themify_builder not_editable_builder in_the_loop\" data-postid=\"7110\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_u7ci220 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_hwnq886 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_00us513 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-00us513-0\" class=\"tb_title_accordion\" aria-controls=\"acc-00us513-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">You and yours \u2013 estate planning<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-00us513-0-content\" data-id=\"acc-00us513-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-EstatePlanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7053 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>ESTATE PLANNING \u2013 TOO IMPORTANT TO PUT ON HOLD<\/p>\n<p>All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate.<\/p>\n<p>Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. When it could suddenly become all-important it might be too late. After all, accidents and illnesses can and do happen.<\/p>\n<p>This guide will help you prepare effective plans that will help ensure you control what happens to your estate.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-EstatePlanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_7atm550 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_dx1492 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7125 themify_builder not_editable_builder in_the_loop\" data-postid=\"7125\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_rxvk605 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_r1b8805 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_t7l2615 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-t7l2615-0\" class=\"tb_title_accordion\" aria-controls=\"acc-t7l2615-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investing for Children<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-t7l2615-0-content\" data-id=\"acc-t7l2615-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7057 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers5.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>INVESTING FOR THE FUTURE<\/p>\n<p>Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.<\/p>\n<p>Whatever the reason, tax will be a major factor to consider, as will the risks of giving children too much money too soon. It is therefore important for parents and others to appreciate the basic tax and legal rules, and the investment products that are suitable for children to help achieve the goals set for them.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_zs8z974 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7128 themify_builder not_editable_builder in_the_loop\" data-postid=\"7128\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1kaz702 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_c3tb020 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_y2qv735 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-y2qv735-0\" class=\"tb_title_accordion\" aria-controls=\"acc-y2qv735-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Business succession planning<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-y2qv735-0-content\" data-id=\"acc-y2qv735-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Businesssuccession.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7054 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers2.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>WHEN DISASTER STRIKES\u2026<\/p>\n<p>If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.<\/p>\n<p>If this happens, family and business partners can be left in a complex situation. In some instances, the business ends up in the wrong hands, or in worst cases can fail. These issues apply to sole traders, partners and shareholders in limited companies, and all of this can be avoided with some sensible succession planning.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Businesssuccession.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <\/div>\n        <!-- module text -->\n<div  class=\"module module-text tb_3a5l500   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Other Related Videos:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text --><!-- module text -->\n<div  class=\"module module-text tb_2rne505   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <iframe width=\"600\" height=\"338\" data-src=\"https:\/\/www.youtube.com\/embed\/ltJydClr0iQ\" frameborder=\"0\" allowfullscreen src=\"about:blank\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_qcg7666 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_9mwl699 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\"><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_hcdl661 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-8337 lazyload\" title=\"investing for children_sb\" alt=\"investing for children_sb\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\" class=\"feature-posts-title\">Investing for Children<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11424 lazyload\" title=\"A noisy first quarter but what are the results\" alt=\"A noisy first quarter but what are the results\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\" class=\"feature-posts-title\">A noisy first quarter but what are the results?<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11419 lazyload\" title=\"Weighing up the incentives and disincentives of your tax bill\" alt=\"Weighing up the incentives and disincentives of your tax bill\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; 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--smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\" class=\"feature-posts-title\">House prices versus inflation<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11413 lazyload\" title=\"State pension age hits the 67 threshold\" alt=\"State pension age hits the 67 threshold\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\" class=\"feature-posts-title\">State pension age hits the 67 threshold<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_a9rk392 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n    <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7366\" class=\"post tf_clearfix testimonial-post post-7366 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">He has never let us down<\/h1>\n\t\t\t\t\t\n\t\t\t\t\t<span lang=\"EN-US\">We have known Graham for more than 10 years and rely on him entirely for professional and always sensible financial advice. He has never let us down. He has guided us through what is a volatile financial world with great expertise, integrity and sincerity\u00a0and we have benefited greatly from his exceptional advice. We have a great personal relationship with Graham. He is friendly, personable and always available when we need him. We would never look to anyone else as our financial adviser and have no hesitation in recommending him as the best there is.<\/span><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7366 themify_builder not_editable_builder in_the_loop\" data-postid=\"7366\">\n            <\/div>\n<!--\/themify_builder_content-->\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/he-has-never-let-us-down\/\" title=\"He has never let us down\">&mdash; <span>Helen and Clive Toberman<\/span><\/a><span class=\"testimonial-title\">Client<\/span>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Protecting Your Loved Ones The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Sky Blue Wealth [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4338,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4614","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic4\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic4\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <h1>Protecting Your Loved Ones<\/h1> <h3>The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Sky Blue Wealth Management will be happy to make suggestions that will give your loved ones protection - and you peace of mind.<\/h3>\n<h3>Related Publications:<\/h3>\n<h3>Other Related Videos:<\/h3>\n<iframe width=\"600\" height=\"338\" src=\"https:\/\/www.youtube.com\/embed\/ltJydClr0iQ\" frameborder=\"0\" allowfullscreen><\/iframe>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4614"}],"version-history":[{"count":0,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4614\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}