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With our guidance, Adam, 57, and Rachel, 63, structured pensions and wealth for a confident retirement knowing their lifestyle could be maintained even in market downturns.
Adam, 57, and Rachel, 63, are a couple who spent their careers in senior roles at a major UK bank. With extensive experience in investments and pensions, they were confident managing their own finances. Yet, they wanted reassurance that their wealth would deliver a comfortable retirement and protect their family’s future.
After exploring several advisory options, they came to us to turn their ideas and goals into a clear, structured financial plan.
Our TPO Adviser made us think about what we’d need to have in place financially for the rest of our lives and what we’d like to have and provided us with unbiased, factual information on which we could consider options for financially efficiently meeting our aspirations in the context of pension and tax regulations.
This took the form of numerical modelling of multiple scenarios and meetings to discuss each of these. He also provided information about what our level of involvement would be for each scenario and highlighted some of the natural feelings that people have towards a hassle free and risk-free life in retirement.
It has enabled us to make our financial choices and decisions, and to formulate plans for the future that can flex dependent on what happens in our lives.
It sounds strange but there’s not really anything that we’d have wanted to be done differently.”
Although financially independent, Adam and Rachel had important questions about their future. They wanted to understand how to structure their wealth to enjoy a worry-free retirement, decide whether to retain their final salary pension schemes, and identify the income needed to maintain their lifestyle even if unexpected events occurred. Passing their estate to their children tax-efficiently and keeping investment fees under control were also top of mind. At the heart of their goals was finding the right balance between flexibility and security, including preparing for potential long-term care costs and making the most of pension rules under current legislation.
To give Adam and Rachel clarity and confidence, we used lifetime cash flow forecasting to model multiple scenarios, including early death and market downturns. This showed them exactly how their plans would perform under different circumstances, giving reassurance that their retirement strategy was robust.
Through detailed technical analysis, we recommended transferring one final salary pension into a defined contribution arrangement for flexibility, while keeping the other to provide guaranteed income for essential expenses. This approach delivered the perfect balance of security, flexibility, and long-term efficiency, allowing them to plan their retirement lifestyle with confidence.
Armed with this strategy, our clients were able to retire with confidence, knowing their lifestyle could be maintained even in market downturns. They optimised their wealth and pensions for tax efficiency, while keeping the flexibility to adjust their plans as their lives evolved.
Their estate is now structured to be passed on to their children effectively, ensuring long-term family security. As sophisticated investors, they continue to manage their own investments with reassurance, secure in the knowledge that their plan has been thoroughly stress-tested and designed to protect both their financial independence and their family’s future.
Client names have been changed to protect their identity.
Whether you’re approaching retirement or already planning your next chapter, we can help you build a clear, stress-tested strategy that protects your lifestyle and your family’s future. Speak to our advisers today and take the first step toward a retirement plan you can truly rely on.
This case study is intended as illustrative purposes only, it does not constitute individual advice and should not be used to inform financial decisions.
They are based upon our understanding (at the time of advice) of current law, HM Revenue and Custom's practice, tax rates and exemptions, which are subject to change.
A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can go down as well as up which would have an impact on the level of pension benefits available.
The Financial Conduct Authority (FCA) does not regulate cash flow planning, estate planning, tax or trust advice.
