At Protection and Investment Limited Romsey, we offer you the services of a small team, a single point of contact and a personal service, as well as the knowledge, skills and experience of over 25 seasoned advisors in our wider group.
Whether you are starting your career, going through major life events or approaching retirement, planning your pension is essential. If you have multiple pensions, it is worth reviewing whether they are in the right place or could be combined for simplicity and cost efficiency. Consider what income you will need in retirement and whether the state pension will be enough.
Find out moreManaging your investments – whether ISAs, bonds, general investment accounts or fixed interest accounts – is about aiming for stronger returns than leaving money in cash, while understanding that all investments carry some level of risk. Typically, the longer you invest, the greater your potential for growth, but regular reviews are essential to ensure your portfolio remains aligned with your goals, timeframes and appetite for risk.
Find out moreLife rarely stands still – from starting work and buying a home to raising a family and retiring, each stage brings new financial considerations. By building long-term relationships with our clients, we develop a clear understanding of your circumstances, priorities and future ambitions, allowing us to provide tailored advice and give you the confidence to make decisions with clarity and trust.
Find out moreAround 200 customers a day choose equity release. In quarter two of 2025, over 14,000 new and returning customers unlocked £636 million in property wealth, as the equity release market continued its year-on-year growth.
Find out moreA Retirement Interest-Only mortgage can be a stepping stone towards Equity Release or remain an alternative to Equity Release.
Find out moreMortgage Protection Cover is a life policy that decreases in line with your mortgage. It is the most basic type of life cover that you can have. It means that your mortgage is always covered if you die.
Find out moreCritical illness cover can be added to any life cover or mortgage protection cover or it can stand alone. It covers you if you get diagnosed with a critical illness. Children can be added to this cover.
Find out moreYou have a partner. You have children – or may do in the future. You therefore have liabilities. Life cover can protect the future security of your loved ones. Life cover ensures that an amount of money will be left to your family if you die. Critical illness cover may be added to this policy.
Find out moreA very important part of your protection package, Income Protection protects a percentage of your income if you are unable to work due to illness or injury. It is designed to kick in as your employer’s sick pay stops. At the outset, you choose whether you want this to run for two years, five years or until retirement. This type of protection is often overlooked, but the fact of the matter is that you are more likely to get ill in service than to die.
Find out moreWith NHS waiting times forever increasing – and even GP appointments getting harder to arrange – Private Medical Insurance – tailored to your and your family’s profile and needs – makes an awful lot of sense. This type of cover is very flexible: you can add optical and dental cover. The new pathways mean that you can get straight to a specialist, generally getting to at least a video call within 48 hours.
Find out moreThis type of cover is paid for by the business to protect the families of company director or key individuals by giving them a lump sum upon the employee’s death in service. The policy can be taken with the employee upon leaving and turned into a personal policy.
Find out moreEvery business has people whose knowledge, relationships or expertise are difficult to replace. Key Person Insurance helps protect your company against the financial impact of losing a vital employee, providing valuable support during an uncertain and potentially challenging period.
Find out moreIf you have a shareholder agreement, it will include a clause that will give the business the money to buy out a shareholder in the event of their death or inability to work. It is a critical illness policy. Even if they are a silent partner, this clause should be in place.
Find out moreThis is a policy, paid for by the business, that gives all of its employees life cover. It is a great benefit for attracting and retaining staff. Again, it is very flexible: you can add remote GP access, remote physiotherapy, ‘Employee Assistance Programmes’ and so on. It can also be set up to reward different levels of responsibility.
Find out moreWith NHS waiting times forever increasing – and even GP appointments getting harder to arrange – Private Medical Insurance – tailored to your staff and their families’ profile and needs – makes an awful lot of sense.
This is a policy, paid for by the company, which benefits every employee. Again, it is a great benefit for attracting and retaining staff. Employees can add their families to the policy.
Many policies come with wellbeing services – talking therapies, earning points for activity, and even organising inter-business challenges.
Find out moreGroup Income Protection pays a percentage of a staff member’s salary if they are unable to work due to long-term injury or illness. The money is paid to the employer to pay on to the employee through payroll. Employers can choose both how long until the first payment is made, and how long the benefit is paid for. Group Income Protection gives your people peace of mind, knowing that they will receive a monthly income to cover their living costs whilst not working.
Group Income Protection can come with Employee Assistance Programmes.
Find out moreNo one just decides to buy their first house – and goes out and does it. There are months of planning what you want and calculating what you can afford – probably prefaced by years of saving. Get us involved as early as you can, because our experience can save you time, money, worry and taking the wrong path.
Find out moreYou’re on the property ladder, but you want to move up it. You earn more than you did when you bought your current house, so you can afford something nicer. Simple, right? Well, not quite. You need to understand the costs of moving, as well as your likely outgoings in your new home, which, if it’s bigger, may well be significantly more than you pay out now.
Find out moreYou may be remortgaging for many reasons – a property extension, more room for a growing family, purchasing another property, or simply trying for a better rate. Being truly independent, we can show you every possible option. We will always contact you before your mortgage anniversary in any case.
Find out moreWith the buy-to-let marketplace getting more and more complicated – with more and more government restrictions to consider – you need the best advice on your mortgage to navigate your way towards a profitable set-up.
Find out moreDavid was very informative and helpful throughout the process. I had not had anyone review my pension for many years, so it was great to finally have all the information I needed to make the decision to move my pension. I would highly recommend David.
Mary
We believe financial advice works best when it's personal. As a local team based in Romsey, we take the time to understand your goals, circumstances and priorities, while also giving you access to the knowledge and expertise of a wider group of experienced financial advisers.
Find out moreBehind every piece of advice is a real person who is committed to helping you achieve your financial goals. Get to know the experienced advisers and support team who work together to provide clear, professional guidance and a personal service you can rely on.
Find out moreThe relationships we build with our clients are at the heart of everything we do. Read feedback from individuals, families and business owners who have trusted us with their financial planning and discover why so many clients continue to recommend our services.
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