Results from the Discovery Journey

Preparing for Early Retirement at age 57

Mr B approached us three years before his selected retirement date after choosing us from www.unbiased.co.uk. He was confusied about maximising pension options for a paid up final salary scheme pension with two associated AVC plans; an existing stakeholder pension & a current Group Personal Pension worth £800,000 then. We charged a direct fee for the Overview of £1,500.
Two and a half years later, Mr B decided to retire & followed our earlier advice to amalgamate the AVCs with the final salary scheme to produce escalating guaranteed lifetime pension of £28,000 per annum which is sufficient for his lifestyle after taking maximum tax free cash.
For the remaining two personal pensions, these were amalgamated where maximum tax free cash was taken and the balance placed in Flexi Access Drawdown. Mr B selected Customer Agreed Remuneration to facilitate tiered initial fee of £3,800 & Enhanced Aftercare of £1,000 per annum.

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Mrs C’s father died suddenly and left her £200,000. We discovered that she would like a three year career break & to start a family.
We prepared a financial planning proposal showing that £20,000 should be placed in an interest bearing current account, £70,000 in a series of fixed period savings accounts & £110,000 in Investment funds for the medium term.
Initial project fee: £3,000 facilitated by Customer Agreed Remuneration and Core aftercare cost: £500 per annum.

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Miss D aged 89 lost physical & mental capacity, so her house was sold and she required £585 per week care home fees.
Her brother acted as Power of Attorney and was recommended to see us by an existing client.

A financial planning proposal showed that £139,000 was needed to pay fees from 2015 till 2019. For the fees from 2020 onwards, several collective investment funds totalling £125,000 & a Life Insurance related Bond for £57,000 were transacted.

Initial project fee: £4,000 by invoice and Enhanced Aftercare cost: £1,000 per annum.

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Mr A became a Civil Servant after many years employed in the private sector.
Mr A had lost track of five old pensions, so we offered an Overview to carefully compare their costs and benefits first. Cost: direct Fee of £1,000.
Detailed comparisons with an up to date plan including all new pension freedoms showed lower ongoing charges & a higher projected retirement fund in eight years’ time by transferring £88,000. Two other plans had valuable Guaranteed Pensions so were kept.
Second project fee: £2,640 facilitated by Customer Agreed Remuneration and Core aftercare cost: £500 per annum.

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See some of our testimonials for our clients' points of view.