On this page, we have put together a selection of case studies showing how we have assisted clients in a number of different situations. If you would like to know more about the ways in which we can assist you please contact Peter David or Nick Kacigeras on 01483 508580.
Retirement Planning
Recently, one of our clients was forced to retire early due to ill health. Being a couple of years away from State Pension age, he was understandably concerned about how he and his wife would cope financially and in particular, how the outstanding mortgage would be repaid. His wife was already in receipt of her State and personal pensions and didn’t want to return to work if it could be avoided.
In the first instance, having discussed their overall financial situation in depth with them, we agreed on the amount of income required to cover their daily living costs.
Pre Retirement Planning
Mr A asked us to review his existing pension arrangements as he had five different pension plans which he had accumulated over a number of years. He was finding their management very unwieldy and time-consuming, particularly in terms of keeping track of the returns from the funds held and his likely pension benefits at retirement. However, perhaps more importantly, it was clear that there was no cohesive investment strategy in place…
Auto Enrolment – Helping you to comply
We were contacted by a local company around 9 months prior to their “staging date” for Automatic Enrolment. They were very concerned about the impact of auto enrolment, in both financial and practical terms.
In the first instance, we prepared our Automatic Enrolment Readiness Report, to help them understand their duties as an employer. This report provided a detailed overview of the practical implications of auto enrolment and how these might best be dealt with in order to comply with the rules. Within the report, we carried out an initial assessment of the workforce and explained the financial costs for the business.
Investment Review
Like many people, our clients had been saving into Stocks & Shares ISAs for a number of years, building up a sizeable portfolio which was spread over a number of investment companies and funds. However, they had become confused by the number and variety of funds held and were concerned about the level of risk within the portfolio…
Inheritance Tax Planning
A lady in her late 70’s contacted us as she was concerned about the effect of Inheritance Tax on her estate. She had been widowed for a number of years but still enjoyed good health and was in the fortunate situation where she had substantial investments and more than enough income for her needs…
Director Saves Money on Lifecover
A director of his own limited company in Guildford contacted us, as he was concerned how his wife and family would manage financially in the event of his death…
Pension Aids Commercial Property Purchase
A client wanted to purchase a commercial property for use within his business; our colleagues at Alliotts suggested he might do so by using his pension fund to achieve this in the most tax efficient way. However, when he was introduced to us, he had insufficient funds in his pension plan to allow this…..
Care Home Fees
Mrs B contacted us, as her mother had recently been admitted to a care home and she held Power of Attorney over her mother’s affairs. Mrs B needed to generate additional income from the sale of her mother’s property to make up the shortfall between her pensions and the care home fees. …