We were approached by Ian via an introduction from an existing client. Ian was in his mid to late 50s and had reached a well-paid executive position in a national organisation. Although he enjoyed his work and was proud of his achievements, he wanted to explore restructuring his work-life balance and move into partial retirement.

His reasons were similar to those that many people associate with at his age, regardless of their specific
occupation – lengthy commuting time was frustrating, the constant demands of the corporate environment were taking their toll on his stress levels, the serious illness of a close friend of the same age had given perspective, and above all he yearned for more time to spend following his outdoor pursuits, and having just become grandparents he and his wife wanted to devote time to visiting their family in another part of the country.

All of this context came to light during our first meeting with Ian, which we held at his home on a day that he was not working so that he was relaxed and focussed on the issues. The discussions were aided by Ian having given thought to the family budget and exactly how much he felt he and his wife would require to have an enjoyable standard of living once he left full-time retirement.

Later in the meeting, we explained the fundamental differences between drawdown and annuities, and how drawdown carried the flexibilities that would enable Ian to move to consultancy basis now, by bridging the shortfall in his income requirement until the final salary and state pensions kicked in. After further discussions about investment risk – both in terms of what Ian was comfortable with and what level of risk was needed to meet his objectives – Ian engaged us to prepare a suitability report. This recommended a drawdown provider and investment portfolio, and reassuringly included lifetime cashflow planning projections to demonstrate that the financial plan was sustainable for life – ie that the drawdown fund would not run out.

Trusted by our clients

Trust is our foundation. We're committed to transparency, ensuring you feel secure and informed every step of the way. Your financial confidence is our priority.

Guided jargon free advice

Our advice is straightforward and jargon-free, making financial decisions easier for you. Navigate your financial journey with confidence.

Professional Service

We pride ourselves on delivering professional service of the highest standard. Our expert team is dedicated to excellence, ensuring tailored solutions that meet your unique financial needs.