case studies

Retired husband & wife

Mr 75 Mrs 62 with 2 grown up children & grandchildren

Background - Property £375,000 Investment/Deposits £113,500, Pension £22,356, p/t employment £17,500

Challenges

1. No idea of costs/income and whether could retire
2. Tax inefficient investments
3. Overwhelmed by paperwork
4. Insecurity regarding future income

What we did

1. Created cash flow forecast
2. Restructured investments immediately increasing tax efficient income excess
3. Reduced paperwork

The Results

1. Gave clients control of investments creating peace of mind
2. Increased income and gave clients understanding of outgoings allowing full retirement to be taken
3. Clients have confidence for future despite age differences