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.

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.

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.