SEARCH PREVIOSULY POSTED CASE STUDIES
A discounted lead with good potential for the near future. Aged 60 and has power of attorney for his Mothers finances. They are in the process of selling her house, and have accepted an offer which will leave them with £450,000 which they would like advice on where best to invest. The mother is going into care and there is a shortfall of costs in the region of £2,000 per month, so he would be looking for income from the investment to cover this. He is a UK tax resident, but currently in France so needs advice on a remote basis.
Has £40,000 currently in a bank account earning very little interest and would like to discuss what different options are available to her which could generate a better return than she is currently getting. She is looking for capital growth rather than income as open minded to suggestions.
Age 65 in November and retired. He has a frozen pension with Standard Life £20,000 which he would like to review and discuss the best option available for this fund age 65, he is concerned about the tax implications if he accesses the fund this year. He also has £100,000 in a bank account not earning any interest and would like to discuss investment options for £50,000 of this that will give better returns than the banks for the next 5+ years. He also has questions about the best way to leave his property to his daughter without incurring any inheritance tax.
Aged 31 and has £40,000 in Banks and Building Societies earning low rates of interest. She would like these reviewed to see what other options are available that may attract a better return. She also has a separate investment of £2,000. She has a company pension scheme plus 2 frozen schemes of very low value and would welcome a review of her pension planning. Current salary is £90,000 per year.
Age 50, he is a self-employed Dentist earning £240,000 pa, he also receives rental income of £65,000 pa from 2 properties he owns mortgage free in London. He has savings in normal bank accounts £60-£70,000 and would like to discuss investment options, long term to achieve maximum capital growth. He needs to set up a personal pension and needs advice on how to make the best use of his income in the most tax efficient way. Happy to receive remote advice. Best time to call is between 12.30 and 1.30pm or after 4.30pm.
Has inherited £108,000 and is looking for advice on what best to do with the money. He has £45,000 left on his mortgage and wants to know if he should pay that off first and invest the remaining or if he should invest most of it. He is looking for growth from his investments and a mix of short, medium and long term. He is 50 with a household income of £45,000 a year. Wants a local advisor. Has used advisors before as he likes to consult someone before making big decisions.
Age 60 this year and husband age 58. They have various ISAs and savings £100,000+ and are open to discussing investment options to achieve maximum capital growth. She has a deferred Final Salary pension which she can access age 60 which will give her an annual income of £24,000 pa. Her husband has a small frozen scheme but she is unsure of the details. Their joint salaries are £130,000 pa. They will be mortgage free in 2 months so will have extra disposable income. They would like a financial review and retirement planning advice.
Aged 77 and has £250,000 in various banks and building societies earning on average 4.5% per year. He would like a review of these savings to see if there are different options available that may attract a better rate of return. He is looking for capital growth rather than income. He is happy to receive advice on a remote basis but would prefer an independent advisor. The best time to call is after 11am any day.
Inherited money from her mother and has £100,000 left over that she is looking for advice on, it is currently in Barclays but she is unhappy with how the account works and the interest. She is 76 so looking for a short term investment with lowest possible risk.
Aged 59 and has various ISA's, Bank Accounts, and investments that have a total value of £135,000 which she would like reviewed. Her current portfolio is not performing as well as she would like and as such is open to suggestions. She is looking for growth rather than income but will need some money where it is readily accessible. Works part time and with her pension, has an income of £40,000 per year.
Aged 40 and would like a review of his savings. He has £45,000 in bank accounts and is open to suggestions on what is best to do with this capital. He would be looking at medium to long term investment to achieve maximum growth, but would like to know what income options may also be available.
Age 57 and husband age 65. She has a personal pension with Aviva £130,000+ estimated. They also have an investment portfolio of £100,000+, husband manages the investments so exact values unavailable on the call, they would like a full financial review on their pensions, retirement planning and investments. She runs a Limited company and he works in a bank, their joint salaries are £100,000+ pa.
Age 25, he is a self-employed dentist, salary £90,000 pa. He is looking for financial planning advice on pensions, savings and investments to ensure he makes the best use of his income in the most tax efficient way. He has various ISAs and a Santander savings account total value £65,500, he saves £500-£1,000 per month approximately, he is open to discussing alternative investment options that could give him better returns. He also needs to set-up a personal pension, potentially with a lump sum and then regular contributions of up to £1,000 per month.
Aged 58 and has just sold her house and moving to rental accommodation and will have in the region of £95,000 left over. She would like advice on what is best to do with this money and will be looking for a combination of growth and income. She would also like to make some provisions for her only grandchild.
Age 44, he is a Regional Operations Manager, salary £140,000 pa. He has £130,000 in a Santander current account earning very little interest and £70,000+ in a Stocks & Shares ISA which is also not performing well. He also has a frozen pension with Aegon £100,000 and a personal pension with Royal London £50,000. He would like a full review of his pensions, savings and investments. He is mortgage free and has £1,000+ per month of disposable income that he could save and or contribute to pensions. Happy to receive remote advice. Best time to call is after 5pm.
Age 40, she is from Dubai originally and has been in the UK for 2 years. She has £40,000 in an ISA and current account with Barclays and is looking for investment options that will achieve maximum capital growth over the next 5-10 years, she is also looking to start saving £500 per month on a regular basis. Happy to receive remote advice.
Age 71, he has £100,000 in NatWest UK and £300,000 in Natwest Jersey savings accounts which are earning no interest at all. He is looking for alternative investments that will achieve maximum capital growth on his money. He is also interested in discussing IHT planning, his estate is worth £2 million mainly in property, he is not married and has one daughter. Happy to receive remote advice. Best time to call is after 2pm.
Age 35, he has £148,000 in a cash ISA earning 3.85% interest, £23,000 in his bank account and is saving £1,000 per month. He would like to discuss alternative investment options that will achieve maximum capital growth, long term. He has a frozen pension £23,000 with Scottish Widows that he would also like to review. He is looking for financial planning advice on how to make the most of his money for the future.
Age 49 & wife age 45, their joint salaries are £236,000 and they need a full financial review. They are about to receive £170,000 from the sale of a property and have £60,000 in a current account earning no interest, they also save around £4,000 per month and would like advice on investment options. She has consolidated several pensions £37,000 to PensionBee without taking advice, so wants to review this. They may potentially sell their current residential property and move to accommodation provided by the wife's employer and if they do they will have £400,000 after settling their current mortgage.
Age 49, she wants to set-up a new personal pension ASAP within the next 2 weeks as she wants to contribute a lump sum of £40-£50,000 with income from her Limited company. She also has 3 small frozen pensions £3,000 which she would like to consolidate into the new scheme and then start regular contributions of £200+ per month. She has £40,000 in savings which are earning very little interest so wants to discuss investment options. She also needs to set-up income protection insurance her income is £80-£90,000 pa. She would like an independent financial advisor. Happy to receive remote advice. Best time to call is after 6pm or tomorrow morning.
Age 56, he has an occupational DC pension scheme with Standard Life £850,000 and his wife has a frozen personal pension £150,000. They also have various ISAs, shares & savings accounts £500,000. It is likely that he will be leaving his employment in the near future and would like a full financial review and retirement planning advice on how to drawdown on his pension in the most tax efficient way. Happy to receive remote advice. Best time to call is any time Monday 2nd October.
Age 68 and retired. She has 3 investment funds £28,000 which were set-up 20 years ago, £20,000 in Premium Bonds and £25,000 in a Nationwide savings account. She wants to review her investments as she feels improvements could be made. She is looking to get as much capital growth as possible & generate a small income. She would also like to set-up a trust fund for her children, her property is valued at £350,000+.
Aged 36 and looking to start investing. Has £100,000 to start a portfolio, has some investments through his own company but would like to diversify his personal portfolio. Open to all ideas including pensions as he has not got one. Looking to get a passive income.
Age 52, her divorce settlement has been agreed. She will be receiving a cash lump sum of £80,000 and needs advice on investing this money to generate maximum capital growth and possibly income, long term. She will also receive 50% of her husbands pension £40,000 approximately and wants advice on the options available to her for the funds. Happy to receive remote advice. Best time to call is between 1pm and 4pm.
Aged 43 and wants advice on investments. Looking to invest up to £50,000 for income and growth. Open to all ideas. Also has a small pension that he moved to St James place which is not performing very well, he is unsure of how much is in there. Currently earning £65,000 a year.
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