• Mr Professional aged 45, Managing Partner of an IT consultancy. 
• Profit share £140K pa
• Mrs Professional aged 43, solicitor
• Part time salary £25K
• Two young children both schooled privately
• Assets:
  • Home £750K (£200K mortgage)
  • Holiday Home £200K (£65K mortgage)
  • Investments £275K comprising:
  • Pensions £105K Cash £50K shares £20K Isas £45K Investment bonds £55K

• Clients didn’t understand several small pension schemes resulting from earlier employments
• Time poor / surplus income not used sensibly
• Risk of illness/death & impact on family unit
• Funding educational costs all the way through to university
• High tax bill
• Disorganised & tax inefficient Investments
• Didn’t know how well or badly their investments were performing
• No Wills / no Lasting Powers of Attorney

What We Did

•  Initiated a dedicated educational fees savings programme
• Restructured investments to improve tax efficiency
• Co-ordinated a review of their mortgage arrangements reducing costs in the process
• Agreed & implemented a tailored risk adjusted investment portfolio
• Simplified & consolidated investments
• Implemented a comprehensive protection strategy to protect against risk of death &/or illness
• All benefits written into trust to speed payment & increase tax efficiency
• Consolidated pensions into a tax efficient SIPP & developed a risk adjusted investment strategy
• Co-ordinated tax efficient wills & Lasting Powers of Attorney
• Devised an ongoing review programme to keep things in check

•  Clients receive regular & understandable investment reports
• Family fully protected in the event of death &/or serious illness
• Reduced investment risk
• The new investment strategy improved performance AND reduced risk all at the same time
• Peace of mind