Derek and Julie
Financial confidence in retirement
Meet Derek and Julie
Derek and Julie are a retired couple in their 60s. They had been retired for a few years when they came to us with some concerns about their retirement income.
The couple wanted to know if they were spending sustainably; they did noy want to risk running out of money. They were also wondering whether there were any changes that could be made to their financial arrangements in order to provide the income they require.
What we did
Once we had got to know Derek and Julie, and assessed their financial situation, we used cashflow modelling to visually present various ‘what-if’ scenarios. The conclusion was clear: the couple was spending sustainably and had nothing to worry about.
In order to help them access and protect more of their wealth, we ensured their pensions were invested suitably.
The couple had a small issue with Inheritance Tax. In order to keep more of their wealth within the family, we recommended a Discounted Gift Trust; this provides an income, but keeps the investment out of the estate.
Today
Derek and Julie gained immense confidence in the process. Because they now know they have enough money to achieve everything they want to, they are wasting no time in ticking things off their bucket list.
They are very pleased that they are now able to pass money down to their children, free from Inheritance Tax.
What our clients say
We’re incredibly proud of the work we do. Here are the real words of real clients.
Twenty years ago, my accountant recommended Matt Webb as a first-class financial adviser, and that has proved to be the case. Matt is always courteous and ready to explain any questions I may have.
Matt has been our financial adviser for a number of years, and we look forward to working with him for many years to come. His expertise, advice, guidance and reliability have been at the heart of the trusting relationship from which we benefit.
Matt has a very good understanding of his clients’ needs and nothing is ever too much trouble. Matt is very knowledgeable and explains everything clearly and in sufficient detail to enable an informed decision to be made. He deals with everything quickly and efficiently and responds promptly to every query. I wouldn’t hesitate to recommend Matt to anyone seeking any form of financial advice.
I was introduced to Steve in 2008. I genuinely trust and appreciate the professional advice given to me and my family. The ongoing investment and pension advice has been invaluable through the good and the bad times and I have had no hesitation in recommending Steve to family and friends.
Lync (previously operated as PWS Financial Consulting) has been our financial adviser since 2005. The team has always offered sound financial advice based on our investment objectives and personal needs. They keep in regular contact, explain our options clearly and guide us in an appropriate direction. We feel they truly care about us, our finances and our future.
Having been a client for over 20 years, I cannot recommend the firm too highly. The levels of professionalism and product knowledge are excellent. The team takes a genuine interest in client and family circumstances and provides continuity of personnel, which is crucial for client comfort. Fees are realistic and ease of consultation is made a priority. I would not hesitate to recommend their services.
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