Case Studies
Client Case Studies.
Client Case Study - Investment 1
Background
- Married man aged 68
- Retired three years ago
- Home £400K
- Investments £200K
- Pension Income £15,000 p.a.
Challenge
- Needed more income in retirement
- Investments had no coherent strategy and were poorly organised
- This had resulted in the payment of too much tax
- There was also a potential IHT liability
What We Did
- We restructured the investments to suit risk profile and to generate more income
- Arranged for additional income to be released through an Equity Release arrangement
- Reorganised the wills
The Results
- Increased income in a tax efficient manner
- Reduced potential IHT liability
- The new investment strategy improved performance AND reduced risk at the same time
Client Case Study - Investment 2
Background
- Married man aged 56
- Semi-Retired
- Home £400K
- Investments £180K
- ISA/PEP £150K
- Properties £600K
Challenge
- Investments had been taken out over many years without a coherent strategy in place
- Investments had been originally set up for growth
- Now wanted additional income and needed to change emphasis of investment strategy
- Some poorly performing funds
- No idea of overall risk profile of portfolio
What We Did
- Re-assessed investment risk profile and determined overall income level required from portfolio
- Restructured some of the ISA/PEP holdings to improve performance and increase income
- Analysed and evaluated with-profits investments and advised on an alternative strategy
- Scheduled regular review meetings so that portfolio cold be monitored and updated in light of changing investment circumstances
The Results
- Increased income in a tax efficient manner
- The new investment strategy improved performance AND reduced risk at the same time
- Peace of mind that investments were no longer being left to chance