{"id":4066,"date":"2022-07-13T09:31:15","date_gmt":"2022-07-13T09:31:15","guid":{"rendered":"http:\/\/trueadvicefinancialservices.co.uk\/news\/?p=4066"},"modified":"2023-01-27T14:37:52","modified_gmt":"2023-01-27T14:37:52","slug":"protecting-the-vulnerable-self-employed-from-financial-stress","status":"publish","type":"post","link":"https:\/\/trueadvicefinancialservices.co.uk\/news\/protecting-the-vulnerable-self-employed-from-financial-stress\/","title":{"rendered":"Protecting The Vulnerable Self Employed From Financial Stress"},"content":{"rendered":"

With more self employed than ever what are their risks<\/h2>\n

As more people reject traditional working structures in favour of becoming self-employed, some may face financial instability as they forego employment benefits that provide protection in the present and financial planning for the future. Protecting the vulnerable self employed is not a conversation that is being had enough though. With new research highlighting that 81% of self employed people aren’t seeking financial advice [1].<\/p>\n

New study emphasises this group’s sensitivity to financial shocks and the significance of competent financial guidance. This can start talks to ensure that all parts of protection are reviewed and the appropriate solutions are in place.<\/p>\n

The financial hardships the self employed face<\/strong><\/h3>\n

If you work for yourself, you may not have the same safety net as people who work for someone else. Without income protection insurance<\/a>, you may experience financial difficulties if you become ill or injured and are unable to work.<\/p>\n

If you are unable to work due to illness or accident, income protection insurance<\/a> may help you replace your lost income. It might offer you piece of mind knowing that even if you are unable to work, you will be able to fulfil your financial commitments.<\/p>\n

The main concern here is your financial well being. Protecting the vulnerable self employed is a lot to do with making sure you have similar benefits that employed people get. Statutory Sick Pay<\/a> is not enough for most people to survive on. So it’s important to make sure you have another safety net in place.<\/p>\n

Being ineligible for Statutory Sick Pay (SSP) can be a real problem for the self-employed and their financial resilience; during the pandemic, this group accounted for one-fifth (21%) of all applications to the Test and Trace Support Payment scheme, according to a Freedom of Information request by The Community Union.<\/p>\n

While many people have taken efforts to provide financial security for themselves and their family, 13% of self-employed people in the UK still do not have critical illness or life insurance.<\/p>\n

Vulnerability to financial shocks<\/strong><\/h3>\n

As living costs grow and private rentals and mortgages in the UK climb at the quickest rate in five years, a quarter (24%) of those polled indicated they only had enough money to pay such expenditures for three months if they were unable to work.<\/p>\n

Despite the research emphasising the group’s sensitivity to financial shocks and the significance of expert financial assistance, one-quarter (24%) said they haven’t considered getting professional financial advice.<\/p>\n

With income coming solely through your own work there isn’t as much of a safety net as with employed roles. Yes, you get added freedoms as well but self employed clients often experience ebbs and flows with their cash flow. Especially when a business is newly formed. Protecting the vulnerable self employed from these pitfalls is something that we can advise you on.<\/p>\n

Seeking tailored financial advice to protect the self employed<\/strong><\/h3>\n

When you\u2019re self-employed or a contractor, you get the perk of being your own boss. But you wave goodbye to traditional employee benefits like company sick pay. To discuss how we can help protect your future financial wellbeing and to discuss the options available to you, please contact us for more information.<\/p>\n

We have a wide range of financial and insurance products that can suit your needs and budget. They are there to provide you with financial well being and security for the future.<\/p>\n

Source data:<\/strong>
\n[1] The research was carried out online by Opinium Research<\/a> across a total of 2,002 UK adults (booster sample of 502 self-employed workers and 1,015 renters). Fieldwork was carried out between 21\u201327 October 2021.<\/p>\n

Regulatory Statements<\/strong><\/h3>\n

Equity Release<\/strong><\/h4>\n

Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.<\/p>\n

Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.<\/p>\n

Buy to Let Mortgages<\/strong><\/h4>\n

Some Buy to Let Mortgages are not regulated by the\u00a0FCA<\/a>.<\/p>\n

Mortgages<\/strong><\/h4>\n

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE<\/p>\n

Investments<\/strong><\/h4>\n

All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.<\/p>\n

Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.<\/p>\n

True Advice Financial Services is a trading style of TA and SE Hollom Ltd. Which is an Appointed Representative of\u00a0New Leaf Distribution Ltd<\/a>. Which is authorised and regulated by the\u00a0Financial Conduct Authority<\/a>\u00a0: Number 460421.<\/p>\n

Registered Office : New Leaf Distribution Limited, 165 – 167 High Street, Rayleigh, Essex, SS6 7QA<\/p>\n","protected":false},"excerpt":{"rendered":"

With more people than ever starting up their own businesses over the last few years, what are the financial pitfalls that can arise for the self employed and how there are ways around this.<\/p>\n

We take a look at some of the vulnerable factors of being self employed and how this sector can seek the appropriate advice to give them financial peace of mind.<\/p>\n","protected":false},"author":2,"featured_media":4067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-4066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\nProtecting The Vulnerable Self Employed From Financial Stress<\/title>\n<meta name=\"description\" content=\"As financial advisors it is our duty to be protecting the vulnerable self employed. 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