Case Studies
Case Study Two
3rd January 2012
A client had for many years relied on the interest generated from money held on deposit, but in the current climate of ultra low interest rates was eating into capital at an ever increasing rate which was not sustainable long term. The first action point was to move the monies into better paying accounts rather than relying on the savings accounts offered by her bank, which were very low as is the norm for long term savers nowadays. By utilising the best deposit accounts available on the marke... [read more]
Case Study Three
3rd January 2012
We were referred to a long standing client's son, who needed to start saving for retirement but was unsure where to begin. He worked as a self employed professional with regular income. We established a personal pension with a mainstream provider matching the terms of a stakeholder contract, making it very cost effective, with the flexibility not to restrict any future plans or circumstances he will undoubtedly encounter in his working life. The premiums were calculated according to a tar... [read more]
Case Study Four
3rd January 2012
A client had reached age 60 and wanted to access the tax free cash held within his different pension accounts which he had accumulated over the years. For the present he intended to continue working and therefore had no need for an income from his pensions. After due investigation it became apparent that one of his pension contracts contained guaranteed annuity rates, which is not uncommon with policies started in the 1980's, and therefore our advice was to take the maximum pension with t... [read more]
Case Study One
9th November 2011
A new client engaged our services as they were close to retirement and needed to explore the different annuity options open to them. They had approximately £200,000 invested in three pension policies, all invested in a range of balanced type funds. Our initial advice was to switch the funds to deposit, thereby protecting the value accrued to date and this helped prevent a sudden loss of value as markets dropped shortly after this time. In establishing the health of the client, it became a... [read more]
