Click here to get regular factsheets on business issues and financial planning http://www.woodruff-fp.co.uk This leaflet explains some of the main sources of sudden wealth, such as the sale of a business, an inheritance, divorce, legal claim, critical illness, lottery win etc. We then explain some of the pitfalls associated with sudden wealth, and how we can help you to manage your money to achieve your goals. http://www.woodruff-fp.co.uk/docs/46_sudden_wealth.pdf This leaflet aims to explain what are self-invested personal pensions, or SIPPs. These are pension plans which allow an extremely wide investment choice for sophisticated investors such as those wanting flexibility of income in retirement, or company owners wishing to buy their business premises. http://www.woodruff-fp.co.uk/docs/43_sipps.pdf This service aims to tell you the truth about how your money works for you. It is a comprehensive plan which shows where you are now with your finances, and more importantly when you will run out of money. The ultimate aim is for financial independence, so you can choose not to work if you want to, and do the things you really want to do. http://www.woodruff-fp.co.uk/docs/34_financial_health_check.pdf All companies with 5 or more employees should have a stakeholder pension scheme for their staff, unless they meet certain exemptions. This leaflet explains which companies need to set up schemes, and how to comply with the regulations. http://www.woodruff-fp.co.uk/docs/23_company_stakeholder_pensions.pdf Information on how businesses can protect against the loss of a shareholder or partner. Often this area is overlooked, but can have severe consequences for the business and the family of the person affected. http://www.woodruff-fp.co.uk/docs/21_shareholder_partnership_protection.pdf Information on how insurance can help a business protect against the loss of profits caused by the loss of a key employee such as a director, owner, or technician. http://www.woodruff-fp.co.uk/docs/20_key_person_insurance.pdf How you can keep your money invested when you retire so that you can have more flexibility than a traditional annuity. http://www.woodruff-fp.co.uk/docs/18_unsecured_pension.pdf How you can protect your income should the worst happen, and you are unable to work due to illness. http://www.woodruff-fp.co.uk/docs/17_income_protection.pdf