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Recent case studies

06-11-23

Aged 60 and employed. He has 3 frozen pension schemes, 2 are with Aviva and Re-Assure with a combined value of £130,000 and the other is an old employers scheme but no details on hand, although he will have details for the meeting. He also has £60,000 in an investment fund through Nationwide and he would like a full review of his pensions in terms of possible consolidation and income options, and a review of his investments to see if there may be something else more suitable.

08-Nov-2023

Aged 72 and has recently lost his wife so would like a review of his financial situation. He has £30,000 in a frozen pension scheme and £110,000 in savings. There may be more capital in the future when he sells the house and also from his wife's pension. He would like to make future provisions for both himself and his daughter and is open to suggestions on what the best way forward would be.

08-Nov-2023

Aged 53, and he and his wife would like a full financial review. They have £100,000 in bank savings, earning very low rates of interest, and would like to discuss different options available to them, including additional pension contributions. He has a company pension scheme and a small frozen final salary scheme. They are happy to receive advice on a remote basis.

07-Nov-2023

Aged 68 and has had to take early redundancy so would like a full review of his finances to plan his retirement. He has 2 pensions, 1 with Aviva worth £30,000 and one with Aegis worth £20,000. He would like to know what is best to do with these. He may also be looking to set up some savings or investments.

07-Nov-2023

Aged 53 and has £225,000 in savings, made up of £125,000 in an ISA and £100,000 in savings. He is not happy with the returns and would like a review to see if there are better options available to him to produce a better return. He would also be looking to add between £20,000 and £30,000 per year into the savings. Employed with the NHS and earning in excess of £100,000 per year. Looking to retire or semi retire at age 60 so would like his pension planning reviewed as well. Available anytime on Monday 18th and Tuesday 19th, but from Wednesday, would need a call after 6pm. Happy to receive advice on a remote basis but would prefer an independent advisor.

03-Nov-2023

Aged 46 and her husband is 40. They are looking for a full financial review of their savings and pension planning. He has no pension in place and is self employed and she has a company pension scheme. They have £30,000 in a Santandar savings account earning very little interest and are open to ideas on what is best to do with this money. She also has some shares through work but not all of them are accessible, but the ones that are have a value of less than £20,000 and she will have full details for the meeting, and again they would like to know if this is the best place for the money. Their combined income is £130,000 per year.

03-Nov-2023

Aged 47 and her husband is 50. They are in the process of selling a rental property and will have £170,000 left over after the sale and taxes. They would like advice on what is best to do with this money. They do have company pension schemes, but also several frozen schemes but no details were available. He is a higher rate tax payer so they are thinking about using some of the money to top up his pension, but she also wants a full review of her pension planning plus a full review of all their finances.

02-Nov-2023

Aged 30 and has bank savings of £80,000 earning low rates of interest which he would like reviewed and a Virgin pension valued at £26,000 which he pays into both on a regular basis and the occasional lump sum. He is a business partner (one of six) and they are going through a change of accounting period, and as such the current tax period has been extended and his tax liability increased. He is looking for advice on what if anything he can do to reduce this liability, perhaps through additional pension contributions or he is open to any other suggestions. He is a professional singer and his salary is between £100,000 and £110,000 per year. He is not available until the end of the month because he is on tour.

02-Nov-2023

Aged 50 and has £120,000 in Bank savings that she would like reviewed to see if there are different options available that may produce a better return than she is currently enjoying. She also has an additional £40,000 in Lloyds fixed ISA's 1 of which is fixed until April 2024 and the other until September 2024. She has a Nest pension through work and would like her pension planning reviewed, and could consider a lump sum contribution to her pension from the capital she has.

02-Nov-2023

Age 64, he has an extensive portfolio of rental properties. He has 2 surplus properties which are mortage free valued at £1,200,000 and he wants to set up a trust fund for his 4 children. Happy to receive remote advice.

02-Nov-2023

Aged 76 and has an investment fund in the Isle of Man, valued at £300,000 and a personal pension with Transact valued at £250,000 which he is not yet drawing on. He is looking for a new Financial Advisor to review the funds to see if they are in the best place possible or if there are different options available to him that could be more beneficial. He is happy for the initial consultation to take place on a remote basis, but would prefer an advisor within 2 hours drive of his home.

21-Sep-2023

We went through the various options for John’s pensions and investments and built a financial cashflow plan to phase his retirement, which enabled him to retire two years earlier than he originally anticipated. We continue to help monitor his investments and pensions and provide him an annual review each year.

05-Sep-2023

Aged 58 and has inherited £800,000 which she will receive in about a month. She wants to clear her mortgage of £90,000 and gift her son £250,000 towards a house purchase. With the balance of £460,000 she would like advice on what is best to do with the money. She does have a pension through work with Standard Life and is open to suggestions in terms of investments and pension planning. 

05-Sep-2023

Aged 36 and will be receiving compensation for an accident at the end of September or possibly earlier. After legal fees he will have £527,000 and would like advice on what best to do with this money. He is open minded to ideas, such as pensions, investments, and possibly property to rent, and has never consulted an advisor before. He will carry on working as a self employed electrician, has no pension plans in place and resides in rented accommodation.

05-Sep-2023

Aged 43, and will be inheriting £25,000 in 2 months and another £25,000 early next year. She also has a frozen pension with L&G valued at £20,000 & a current employers scheme with L&G valued at £24,000. She would like advice on what is best to do with the inheritance and pension planning. Salary is £50,000 pa. 

05-Sep-2023

Aged 62, and has £40,000 in a bank savings account. He would like to discuss what options are best for him in terms of using this money. He plans to retire when he is 67 and has worked for his current employer for 2 years, and as far as he knows he has no other pensions from previous employment. With this in mind, he would like to review his pension planning and discuss whether the savings he has should be used for pension planning, savings or a combination of both. 

05-Sep-2023

Aged 49 and has £50,000 in his business account and an ISA with £10,000. He is looking for advice on what is best to do with this money in terms of pension planning and savings. He has no pension plans in place and is open minded to ideas.

05-Sep-2023

Aged 49 and her husband is aged 50. Her Father has gifted them in the region of £250,000 (300,000 euro) which will be available in September, and they would like advice on what is best to do with this money. They would also like to review their pension planning. They have a combined income of £97,000 and they are open minded to any suggestions and are happy to receive advice on a remote basis.

16-Apr-2023

Aged 40, employed with a salary of £81,000 per year. Currently in the company pension scheme but does have two frozen pension from previous employment. One is with Scottish Widows and has a value of £59,000 and he is looking for advice on whether this is in the best place or if he should consider other options. He also has a frozen Defined Benefit Scheme but had no details available on this. He also has savings, some of which is earmarked for a future house purchase but the balance of between £15,000 and £20,000 is in a bank account earning little or no interest. He would like to know what options are available for this money or whether he should just leave it in an easy access account. The best time to call is Tuesday 28/02/2022 at anytime after 10am

16-Apr-2023

Age 39, he is the Director of an expanding business, last years turnover was £17 million. He is looking for a full financial review on his complete portfolio. He has 5-6 frozen pensions with Aviva, the Islamic Savings Organisation and others approximate value £60,000, various stocks & shares £15,000 and investments £15,000. He is recently divorced & has 4 children. His salary is £120,000 with commissions and is set to possibly double next year.

16-Apr-2023

This lead a has a lot of potential. Age 35 and looking for a financial review with the main aim of being as tax efficient as possible, salary £190,000+ with bonuses. He has a frozen pension £37,000 with Legal & General and investments of £40-£50,000 which he self manages but is open to having a discussion about his choice of investments. He has savings but this is set aside for the deposit on a property. If tax efficient he wants to contribute more into pensions. Best time to call is this morning as he has meetings later in the day.

16-Jan-2023

*** is the manager of a fast growing company, based in Sale with net current assets of over £5 million and 120 staff. The company is looking to potentially work in partnership with financial advisor that would be available to give personal financial advice to their employees as and when they require it. They are open and exploring options available to assist their employees. Advice is not needed from a company perspective.

11-Jan-2023

******* is planning his cashflows and how he is going to arrange his pensions and investments. He has £5 million across properties, investments and pensions. He is 62 years old and retired with an income of £100,000.

19-Dec-2022

**** and her wife are looking for some advice on their previous pensions, they have a combined pension value of at least £50,000. They are also looking for some general advice regarding their finances, they have a combined household income of £114,000 and they also have an ISA with £52,000 however that is mainly for a house deposit, they also have an additional £16,000 in savings. They are 38 & 35 years old.

15-Dec-2022

***** has just started his own business with one employee and is looking for advice in multiple areas. He needs to get pensions in place for him and his employee. ***** has an income of just over £150,000 a year and wants to look at setting up private medical insurance and possibly income protection, he may also want to set this up for his employee. He would also like to start investing into a fund, he has no lump sum but is looking to start paying money into an investment as well as a pension every month. 

 

15-Dec-2022

*** is 34 years old and looking for some financial planning advice. He earns between £250,000 and £300,000 a year and has £50,000 in investments and just over £50,000 in savings. He also has a small personal pension as well but he is unsure of the amount. He used to use his uncle for financial advice but would feel more comfortable using someone who is not family. He has been using any spare funds to pay his mortgage off but is unsure if that is the correct thing to be doing. He is looking for an advisor up to an hour and a half away. He would like to meet his advisor face to face.

 

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