Parents in 30s with a 3 year old son, expecting a second child in 2 months. Mortgage of £240,000, 18 years to go, no life cover other than Death In Service as part of company pension scheme.
Deferred Issues to be address later- Retirement planning and savings.
Married couple in their early 60s, both civil servants, approaching retirement wanting to discuss options for occupational and private pensions. Some short and medium-term savings needing investment advice also required.
Couple with elderly parent suffering from early stage dementia. Parent will soon not be able to look after herself and live on her own. Children (existing clients) felt that they wouldn’t be able to look after her themselves.
Young couple in their mid-40s, no children, both higher rate tax payers. Both have small preserved pensions from previous employers but set up their own business 4 years ago and have done nothing about planning for retirement. “The business is our pension”.
Married couple in retirement with a sizeable investment portfolio built up over a number of years. Had not received any advice or seen anyone in about 8 years. Wanted to have more income.
Clients in early 70s, basic wills written 30 years ago when children were still at home.