Married couple taking care of their family's future
Stella and John have been married for some time, but recently their circumstances have changed quite significantly.
Both have good jobs, although Stella works part-time as they have two small children. Until last year when their second child came along they had a relatively manageable mortgage which was easily covered by
Hotelier looking for a company pension scheme
Jane is the HR manager of a large hotel in the Lake District. She was disappointed with the sales rep of a national chain who were supposed to be managing the company pension scheme. They were full of promises in order to get the business in the first place but had never delivered the support they had promised.
Recently widowed lady wishing to retire
Mrs Phillips came to us in difficult circumstances. Looking forward to a happy retirement with her husband he had suddenly died and she was the beneficiary of his entire estate. She was feeling very fragile and overwhelmed with all the decisions she needed to make.
Mrs Philips worked part-time and was not in the best of
Couple concerned about possible Inheritance Tax
Martin and Sally are typical clients, Martin has recently retired but Sally thinks she is too young to retire and still works part-time. They have three children, John and Lydia and Sarah, in their twenties and thirties. John has two small children, he has his own business which is beginning to thrive but it’s been a
Brothers protecting their farming family tradition
Brothers Pete and Keith farm in the Eden Valley, the farm has been in their family since the 1860’s and they inherited from their father, Jack Robinson. They wanted the farm to remain with the family and Pete’s son Tom is the natural choice. He has been working on the farm since he was a teenager and wants to take the
Small business owner looking after his staff
Mike started his successful IT company from his Furness home in the 1980’s. Over the years the business has expanded and his daughter and a colleague are now co-directors. They are as crucial to the business as he is!
Mike had had some financial advice years ago when he left employment and set up a personal pension, but he
All our case studies have been compiled from actual client experiences. Their names have been changed to protect their identities.
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