John was 54 and his wife Mary was 53. John came to see us because was being made redundant from his job in the marketing industry. He had a Final Salary pension and was looking for guidance on what his options were.

Brian and Ann were concerned about staying in their own home in the future; a large house that they shared with Brian’s parents. They felt their previous adviser hadn’t answered their questions properly; they were looking for someone to do a thorough job of their retirement planning.

Andrea was 55 and was going through a divorce. She had recently left her job as a teacher and had a teacher’s pension. Her ex-husband worked in financial services; Andrea was concerned that she didn’t have the knowledge to ensure she received a fair settlement.