Background

Our Financial Planner James met Brian through a circuit training class; they became friends, and eventually, he and his wife Ann became our clients.

Brian was 53 and Ann was 52 when we began working with them. Brian had started his career in the Royal Navy, and after 10 years joined his family business. During his 30s and 40s he then worked in a number of commercial businesses, then in his late 40s became a Management Consultant.

Over the years the couple had accumulated a number of pensions and they also wanted help to set up a new pension going forward. Having known James for a few years, they decided he would be a good person to work with.

The couple were also concerned about staying in their own home; a large property which comprised of self-contained homes for both the couple and Brian’s parents.

The couple felt their previous financial adviser hadn’t answered their questions properly or provided a holistic approach to their situation; they were looking for someone they could trust to do a thorough job of their retirement planning.

What did we do?

James sat down with the couple to establish their needs and goals for the future. They had piles of files which James took time to read and assess in order to get a full picture of their financial situation.

After completing a full analysis of their pensions, savings and investments, we made recommendations for the couple in order to create a cohesive and streamlined financial plan. This included arranging protection for the couple should anything happen to them, which was important to both.

The results

The couple are still working but now feel confident about their financial future.

Brian now has peace of mind that Ann will be okay should anything happen to him. Brian is confident that, now they have James as their adviser, they have a well-organised and thoroughly managed financial situation that both of them understand fully.

In order to stay in their home, they completed some renovations and now rent certain rooms out through Airbnb: they love being hosts and the income generated has allowed them to live more comfortably.