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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.

Explore our Retirement Planning services here.

Investment of Inheritance

  • 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.

Explore our Investment Services here.

Care Home Fees

  • 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.

Explore our Care Fee Planning Services here.

Overview of Five Pensions

  • 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.

Explore our Retirement Planning services here.

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

Portrait of Miss J on Burnham Beach on a blustery day

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