Case Studies

We think it is useful to see the type of solutions, which we have constructed for our clients in the past. We hope you can identify with one of the following scenarios. You may have more or less money to invest but the solution is most probably similar

Tom 35 and harriet 32 sought advice when Tom first became self employed

Tom 35 and Harriet 32 need to protect their family

John 35 and Paul 42 work in partnership as web designers

It was Paul who was keen to seek advice because it is John who has the marketing skills and Paul could see that if John left the business, died or could not work through sickness the business would suffer financially.

James aged 66. Was a partner in a sucessful architectural firm and was considering his pension options at retirement

Harriet is a highly successful journalist, aged 63, is reducing her workload but not fully retiring – she is divorced with two children – she needs pension advice.

She wants access to £30,000 per annum for two years until the benefits of the final salary scheme and the state pension are received. She wants to preserve her pension fund for her children.

Mary, aged 83, retired headmistress and now widowed with no children

Mary had been a very independent woman but was now finding coping with her investments, the paperwork and her tax return was too much of a challenge – she needed some help.

Stephen age 53 set up his own business and needed pension advice

Stephen wanted help to review his existing pension arrangements. He wanted if possible to amalgamate the pension schemes for ease of understanding and administration. He wanted, if possible to be able to use his pension fund to help finance his new company.

John – Retired – aged 79 and his second wife, Ann – age 68

The Client had children by a previous marriage. He was keen to safeguard the position for his partner. He needed to know that if he died first she could be provided with sufficient income but that eventually his assets would pass to his own family.

Paul – self employed builder- age 63, married to Sandra- age 60

Paul was forced to give up work because of a back problem. He had been saving into pension plans for many years. He now wished to take the benefits and was confused by the paperwork and the options given to him.

Bob just retired aged 65 from a large national firm and his wife Wendy (also age 65) inherited £50,000 from her aunt six months ago

This is the first time that Bob and Wendy have had a large amount of money to invest and they are very anxious. They say that they are cautious investors and are not very financially aware.