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Case Examples

Please click on the buttons below to view examples of cases we have managed.

Business Owner

Client aged 51, divorced with 1 son

Background


Challenges


  1. 1. Disorganised investments
  2. Too busy with his business to deal with his financial planning.

    Excessive paperwork overwhelming the client.

    Tax inefficient portfolio left with poorly structured investments.


  3. 2. Pension choices
  4. Client confused as to what he should do about all his pension pots that have built up over the years.


  5. 3. Insecurity about future income
  6. Current investments not structured to provide income and he is not sure what income he will have in retirement.

What we did


  1. Created a lifelong cashflow forecast for the client showing he would not have the income he thought he would have in retirement.
  2. Consolidated and restructured his pension funds to simplify his affairs and to provide clarity on his position.
  3. Reduced paperwork for his financial assets.
  4. Ensure the client used his tax free investment allowances.
  5. Organised tax efficient investment to enhance his retirement funds.
  6. Reduced risk in his investments.

The results


    Gave the client control of his investments, creating peace of mind.

    Allowed the client to plan for retirement and to know how much he needed to save for the future.

    Increased net income by £1200 per annum.

    Reduced income tax liability by £700 per annum.

    Removed his concerns over investment risk.

About to retire

Client aged 64, married with 3 grown up children

Background



Challenges


  1. 1. Disorganised investments
  2. After many job moves, the client had several pensions funds.

    Excessive paperwork overwhelming the client.

    Tax inefficient portfolio left with poorly structured investments.


  3. 2. Pension choices
  4. Client confused as to what he should do about all his pension pots.

    Client unsure about how to get the best income from their pension funds.


  5. 3. Insecurity about future income
  6. Current investments not structured to provide income.

What we did


  1. Created a simple cashflow forecast for the client.
  2. Consolidated and restructured his pension funds to release a cash sum and an immediate increase in retirement income.
  3. Reduced paperwork for their financial assets.
  4. Ensured the client used his and his wife’s tax free investment allowances.
  5. Organised tax efficient giving to the children.
  6. Reduced risk in his investments.

The results


    Gave the client control of his investments, creating peace of mind.

    Allowed the client to retire knowing they have enough income.

    Increased net income by £2500 per annum.

    Reduced income tax liability by £500 per annum.

    Removed the risk of future income fluctuation.