Beach IFA

Protection products often provide their greatest value when safeguarding family wellbeing, income security, and property interests. Although preparing for events such as illness or death can be challenging, doing so allows financial matters to be managed in advance during difficult periods. With a broad selection of policies available, we help identify suitable solutions that align with individual circumstances, priorities, and budgets.

We help clients plan effectively by distinguishing between savings and investments. Savings provide accessible funds for short-term needs, with capital security and potential interest through deposit accounts. Investments are intended for longer-term objectives, involve varying levels of risk, and may fluctuate in value. Suitable strategies balance accessibility, risk tolerance and long-term financial goals.

Pensions help you build income for life after work, using a range of state, workplace and personal arrangements. The rules around tax, contributions and investments are complex, so we explain, recommend and review suitable solutions. We guide you through State Pension entitlement, employer schemes and personal pensions. At retirement, we help you choose between annuities and flexible drawdown. Early planning is essential.

We provide professionally drafted Wills designed to ensure your estate is distributed in line with your wishes rather than the Rules of Intestacy. A carefully prepared Will offers reassurance by addressing personal, family and financial circumstances with clarity. It enables you to protect assets, plan for beneficiaries and review arrangements as laws or asset values change.

Rob joined Beach Insurance Brokers in 1993 to develop the Financial Advice aspect of the business, aiming to expand the services provided to the company's General Insurance clients. This move was intended to further enhance the services offered to these clients.

After participating in a management buyout in 2003, Rob acquired ownership of the Financial Advice side of the business in 2009, following a split from the General Insurance side. This separation allowed both businesses to focus on their respective areas of expertise and operate independently as they saw fit.

With over 40 years of experience in financial services, Rob has delivered independent advice to a wide range of clients, including both new and existing ones, across the Corporate and Personal sectors. His expertise spans various areas, including Pensions, Investments, Finance, Life, Critical, and Disability insurance.