Steve & Liz

For many people in the UK, retirement can be a frightening prospect, especially with rising living costs and uncertainty about the state pension.

The challenge for couples like Steve & Liz, who are in their early 60s and had worked for over 30 years, is figuring out how to financially plan for retirement so that they could maintain their standard of living and pursue their dreams without running out of money.

In this case study, we will look at how financial planning assisted Steve & Liz in planning for retirement and meeting their objectives.

The Challenge

They were worried about having enough money to live on, whether to rely on the NHS or pay for private healthcare, and leaving a legacy for their children and grandchildren. They were also concerned about how their different types of pensions (defined benefit, defined contribution and state pension) would fit into their retirement plans.

To address these concerns, Steve & Liz decided to seek our help. They wanted to create a comprehensive financial plan that would allow them to live comfortably, while also protecting their assets and preserving their wealth for future generations.

The Results

Steve & Liz learned from us that they were on track to meet their retirement goals.

We did, however, identify some areas where they could improve their financial situation.

First, we advised them to review their pensions and consider combining them into a single pot. This would make managing their retirement savings easier and potentially increase their returns.

We also advised them on the appropriate order in which to commence withdrawals from their different pensions schemes.

To better manage risk, we also advised that Steve & Liz review their investments and diversify their portfolio. They were able to collaborate with us to develop a diversified investment strategy that included a mix of stocks, bonds, and other assets.

This helped to protect their wealth while also increasing the possibility of long-term growth.

Finally, we assisted Steve & Liz in developing a healthcare plan, which included understanding the impact of potential long-term care fees in later life.

They learned about their various options, such as relying solely on the NHS, private healthcare insurance, and long-term care insurance, and were able to make informed decisions about which options were best for their needs.


By working with a financial planner, Steve & Liz were able to create a comprehensive financial plan that gave them peace of mind and confidence in their financial future.

They were able to take control of their retirement planning and achieve their goals, thanks to the power of financial planning.

Here’s What We’ll Do:

Step 1

Our first meeting will focus on your life, not your finances.

For us, the starting point is you and your goals. What do you think the future holds? What do you want to do with the rest of your life? What is most important to you? We discuss topics other than money and strive to make our meetings enjoyable, enriching, and interesting. It's all about you, not about us.

We'll take care of your initial concerns. You may be concerned that you do not have enough money to retire. You might be concerned that you're missing something or making mistakes unintentionally. We'll reassure you and answer any questions you may have.

Step 2

Once we get to know you, we're then able to better understand your money.

We'll start by gathering information about your existing pensions, savings, and investments to get a complete picture of your financial situation. Most of us despise paperwork, so with your permission, we'll contact the companies involved to obtain the necessary information.

Then, using sophisticated financial planning software, we'll create scenarios and track investments to show you the various paths to achieving your goals. We'll then make recommendations and do the necessary work to get you back on track.

Step 3

We believe that the key to successful financial planning is a long-term, ongoing relationship.

We'll review your plan on a regular basis to ensure you're on track to meet your goals. Only one thing is certain in life: change. If your needs, preferences, or aspirations change, our ongoing relationship allows for a detailed review at least once a year to ensure your financial plan is working to achieve the best results for you.

Contact Us

If you've never worked with a financial planner before, we'll guide you through the process.

If you have previously worked with a financial planner but believe it is time for a change, we can assist you in making that transition.