CASE STUDIES

Inheritance Tax & Retirement Planning

— Year: 2019
— Category: Income Drawdown, Financial Planning, Pension and Retirement Planning,
— Client: Geoffrey and Heather

Geoffrey has recently retired after several years of service working in local Government. He wanted to understand his options relating to an old personal pension he has held since the 1990s.

Results - We secured enough income for Geoffrey and Heather to cover the cost of their desired lifestyle.

Geoffrey has nominated Heather as beneficiary under his new personal pension, thereby retaining control of his fund and ensuring that Heather can access the pension ‘pot’ for income or a lump sum in the event of his premature death.

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Inheritance Tax & Retirement Planning

— Year: 2019
— Category: Income Drawdown, Financial Planning, Pension and Retirement Planning,
— Client: Geoffrey and Heather

Geoffrey has recently retired after several years of service working in local Government. He wanted to understand his options relating to an old personal pension he has held since the 1990s.

Results - We secured enough income for Geoffrey and Heather to cover the cost of their desired lifestyle.

Geoffrey has nominated Heather as beneficiary under his new personal pension, thereby retaining control of his fund and ensuring that Heather can access the pension ‘pot’ for income or a lump sum in the event of his premature death.

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Early Retirement

— Year: 2018
— Category: Pension Planning, Defined Contribution Pension, SIPP
— Client: Richard and Marie

Richard and Marie were exploring early retirement. However, they wanted to understand whether their pensions, savings and investments would cover the cost of their desired lifestyle for the years to come.

Result - We secured enough income for Richard and Marie to cover the cost of their desired lifestyle.

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Commercial Property Purchase

— Year: 2018
— Category: Pension Funds, SIPP, Commercial Property Mortgages
— Client: Joseph and Lynne

Directors Joseph and Lynne wanted to be mortgage-free. They were looking to use some of their company’s cash reserves in order to do so, but were worried about the tax implications.

Results - Their £105,000 pension contribution reduced their corporation tax liability, saving the business £21,000 in tax and ringfence funds for the children’s university fees.

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Director Pensions

— Year: 2018
— Category: Corporate Pension Planning
— Client: Mark and Jane

Directors Mark and Jane run a successful business but were conscious that they hadn’t contributed sufficiently for retirement in the most tax-efficient way.

Result - The combined contributions into their personal pensions reduced their corporation tax liability by £34,124.

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Income Drawdown

— Year: 2019
— Category: Income Drawdown, Defined Contribution Pension, SIPP
— Client: Chris and Anne

Chris is at retirement age and has chosen to take benefits from his two Defined Benefit pension schemes. He wanted to understand the benefits of a flexible income from his Defined Contribution pension to cover the cost of his preferred lifestyle throughout retirement.

Results - We secured enough income for Chris and Anne to cover the cost of their desired lifestyle. Chris has retained these funds in a tax efficient environment suited for longer term growth.

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Income Drawdown

— Year: 2019
— Category: Income Drawdown, Defined Contribution Pension, SIPP
— Client: Chris and Anne

Chris is at retirement age and has chosen to take benefits from his two Defined Benefit pension schemes. He wanted to understand the benefits of a flexible income from his Defined Contribution pension to cover the cost of his preferred lifestyle throughout retirement.

Results - We secured enough income for Chris and Anne to cover the cost of their desired lifestyle. Chris has retained these funds in a tax efficient environment suited for longer term growth.

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Pensions & Investments

— Year: 2019
— Category: Investments, Portfolio Services and Investment Reviews
— Client: Michael and Anne

Michael and Anne set up an investment portfolio with their bank three years ago. The pair wanted to review their arrangements to see whether their plans were performing as they should and to ensure that the plans were still aligned to their objectives.

Results - We reduced Michael and Anne’s investment costs by £7,000 over five years. The investments are invested into a fully asset allocated investment portfolio, specifically tailored to their attitude to risk. One point of contact for their plans and a structured annual review of their assets, including cash flow modelling and independent investment research.

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