When Sarah came to us after her divorce, she was looking for clarity and structure as she planned the next chapter of her life.
We helped her to put a plan in place – setting up a new pension and investing a portion of her cash savings to start building long-term financial security. Sarah also joined our ongoing advice service, which means we meet every six months to review:
- Updated cashflow modelling projections based on her latest income, expenditure, savings and borrowing figures.
- Performance of her pension and investment funds since her last review.
- Check her investments remain appropriate and in line with her attitude to risk.
- Strategic forward planning based on the clients short, medium and long-term objectives.
The Results
- Navigated her through the changing legislation to avoid any expensive mistakes.
- Gradually moved all her investments into tax-efficient accounts.
- As she got further into retirement, we helped to arrange a new lifetime annuity with some of her pension funds; to increase her guaranteed income while keeping some investments for long-term growth.
- Gave her confidence to gift significant sums to her children, knowing her own future remains secure.
- Despite drawing a regular income, her account value has remained steady – proof that a well-built plan can provide both peace of mind and financial resilience.
