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Who We Are
Sandringham Financial Partners is a national Independent Financial Advice Firm, authorised and regulated by the Financial Conduct Authority. We pride ourselves on achieving consistently high levels of customer satisfaction and we maintain Top Rated Advice Firm status and also individual Top Rated Adviser status with Vouchedfor, the independent review service for financial professionals.
What We Do
At Sandringham-Darlington we specialise in:
Being independent means that we have access to the whole of the market when securing the right plans and policies for your specific needs and circumstances.
Where We Are
Based in Darlington in County Durham, many of our clients come from towns and villages in the local and surrounding areas, however they also stretch from Hexham and Morpeth in the North East down to Derbyshire in the Midlands, the Wirral in Merseyside, Goole in the East Riding of Yorkshire and many places in between.
Cutting edge technology and robust online processes, along with a secure and interactive client portal, enable us to deliver our advice to you professionally, effectively and efficiently, wherever you are in the UK.
Young and Growing Family Needs
Protection policies such as Income Protection and Life Cover are incredibly important for young and growing families. We understand that your income stretches across many outgoings at this expensive time in life, whilst you are also likely to still be building your career, perhaps with one parent taking some time away from work or working part-time, to support your children whilst they’re very young.
Your protection portfolio must be both relevant to your needs and affordable. Rest assured we’ll tailor your cover to meet both of these objectives.
Protecting your household income whilst you’re still building your financial security is paramount. It ensures you can continue to meet your financial obligations during sustained periods of being unable to work and earn, due to accident, injury or physical/mental illness. It also protects those savings you have built up so far, which would otherwise potentially be depleted very quickly if they were called upon to meet your monthly outgoings over several months.
Cover can also be matched to your existing workplace sick pay provision, for example if you receive full pay for 6 months, followed by half pay for the following 6 months, we can design your policy to kick-in to cover the varying shortfalls at the appropriate times. This ensures you only pay for what you need, when you need it.
Life cover comes in a number of forms and is in fact more affordable than you may think for young families. We look at what income will be needed by a surviving parent, particularly whilst the children are still moving through education towards becoming financially independent. We tailor a plan to exactly fit with your individual needs.
You can choose for your family to receive a lump sum payment upon your death or diagnosis of a terminal illness, or you may prefer instead for them to receive a regular annual income, effectively replacing the lost earnings year on year and ensuring your family’s standard of living can be maintained.
If you have Death In Service entitlement through your employment, we can top this up as required to ensure you have a level of cover which is appropriate to your specific needs and timeframe.
It’s important to remember that workplace protection policies are only available to you whilst you remain in that employment. Personal cover is specific to you and stays with you regardless of any changes to your employment position, with the ability to modify your cover as needed to match your circumstances over time.
Critical Illness Cover
Critical Illness policies provide a lump sum pay-out in the event that you were to be diagnosed with a qualifying critical illness. This can be used to replace lost earnings for a period of time, or can cover large ad-hoc expenses, for example if adjustments to your home are needed.
Business Owner Protection
If you‘re a business owner there are protection policies designed specifically to ensure both the business and their families are financially protected and provided for in the event of an individual being unable to work for an extended period of time or upon death. We can guide you through various considerations, making it a very simple process to put in place the cover you need.
Sandringham – Darlington
Rachel Denham DipPFS Office: 01325 808075 Mobile: 07974 381184
Independent Financial Adviser
You can read more about us here: https://sandringham-darlington.co.uk/
You can see where we are and the options for having a meeting/call with us here:
Don’t hesitate to get in touch, I’m very happy to answer any questions you have. A warm welcome awaits you.
- Insurance & protection
- Pensions & retirement
- Financial planning
- Tax & trust planning
- Long Term Care
Diploma in Regulated Financial Planning – Chartered Insurance Institute
Advanced Certificate in Pension Transfer Advice – Chartered Insurance Institute
We offer a free consultation to discuss your needs and objectives and this can be face to face, online meeting or via telephone to suit your preference.