As a specialist surgeon, if I were unable to continue working in my specialty, I may be asked to retrain in another specialty or occupation. However, with the income protection recommended by Gemma, I would not be expected to do so.
She also personalised my finances and put some of my income into a private pension. With her guidance, my wife and I also invested in stocks and shares. We are now looking to invest more as we would like to save towards a deposit for our next home.