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Appletree Financial protection Blackpool
Latest NewsProtectionwealth management

Understanding Financial Protection and Why People Consider It as Part of Long-Term Planning

Financial protection is often one of the least understood areas of personal finance. Many people are aware that it exists, but are unsure what it covers, why others choose it, or where it fits within a broader financial plan. As a result, it is frequently overlooked until life forces the conversation.At its core, financial protection is about managing risk. It is not about expecting something to go wrong, but about acknowledging that illness, injury, or loss of income can have a significant financial impact if they occur. Long-term planning is not only about growth and accumulation, but also about resilience…
David Gallagher
February 2, 2026
Wealth management Blackpool
Latest NewsProtectionwealth management

Should I consider private medical insurance?

Life has a habit of throwing the unexpected at us. While we can plan carefully for many things, our health is one area where certainty is never guaranteed. Most people have some form of financial protection in place for major life events, but fewer stop to think about how they would access medical care if they or a family member needed treatment quickly. Private medical insurance is not about replacing the NHS, but about giving yourself additional options and peace of mind when health concerns arise.In recent years, more people have started to explore private healthcare, and the reasons are…
David Gallagher
January 26, 2026
Appletree Financial Services
Latest NewsProtection

The Humble Spreadsheet: Why So Many People Still Use One

Despite the rise of apps and automated tools, many people still rely on them for day-to-day organisation. They might not be flashy, but they are flexible, familiar and surprisingly effective for managing information. Especially when it comes to personal admin. For something so simple, the spreadsheet has proven to be one of the most enduring tools in both personal and professional life. While financial planning, mortgage applications or insurance renewals all require formal processes and regulated guidance, there is often a spreadsheet sitting quietly in the background helping people keep everything in order. At its core, a spreadsheet is just…
David Gallagher
June 2, 2025
family protection
Latest NewsProtection

How Financial Protection Can Support Parents Through the Unexpected

No parent wants to think about their child falling seriously ill. The emotional weight, the uncertainty, and the potential financial pressure can feel overwhelming. While we can’t control what the future holds, we can put safeguards in place to soften the impact if the worst happens. Financial protection, especially in the form of critical illness cover and private medical insurance, can provide much-needed stability for families during incredibly difficult times.Children’s illnesses can bring sudden disruption to work, income, and routine. Financial protection is about more than just money. It offers breathing space. A critical illness policy, for example, provides a…
David Gallagher
May 24, 2025
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