Did you ever go exploring at the back of your Gogo’s kitchen cupboard, and find a rusty old tin with folds of cash stashed away? Generations ago, people saved money in old coffee tins and tea boxes. These ‘rainy day funds’ weren’t flashy, but they worked. They covered the car repairs, the broken toilet and the emergency doctor’s visits.

Today, we have tools that do more than store cash: they protect your income, your health, and your peace of mind. But these tools only work if we stick to the plan, especially when it’s tempting to cut back!

This is how we help you prepare for a rainy day.

And, we believe: prepare for the rain, even if the sun is shining. It’s easy to forget the value of preparation when everything feels fine. But that’s exactly when our wisest decisions matter most. Cancelling a policy or pausing contributions might seem like a harmless shortcut in the moment, until life throws a curveball. The truth is, preparation doesn’t always feel urgent… until it’s too late.

At SFP, we help you protect what matters most, even when things feel uncertain. Your ability to recover from a setback is shaped by what you put in place before the storm arrives. Even a small buffer can change everything.

Your journey matters. We’re here to help you keep going.