"Using i4C has totally transformed the service you offer to me as a client. Rather than focusing on the past our meetings are now about visualising and planning for the future. That is far more interesting and valuable."
Alex (aged 55) and Sarah (aged 50) are both in good health with two children. Alex is a director in a local business and Sarah works as an administrator in the business. They draw a combined gross income of £125,000. They estimate they spend c.£70,000 per annually. They own their main residence worth £730,000, cash and investments of £125,000 and pensions of c.£400,000 invested in line with a balanced approach to risk.
Alex and SarahRead more
Bob (aged 57) and Jackie (63) are both working on relatively modest incomes. The gross annual total income is c.£30,000 and expenditure is c.£23,000. Jackie’s health is not good and she would like to give up work. Their home is valued at £500,000 with no debt. They also have a pension fund worth £250,000 and cash on deposit of £50,000. They are both entitled to full state pensions at age 67.
Bob and JackieRead more
Rory Percival, ‘An Ex-Regulator’s Guide to Cashflow Planning’Read more
Tom was referred to a firm that uses i4C - initially for pension planning advice and most specifically on how to structure his income in retirement. Tom owned significant levels of commercial property but few liquid assets. He also owned a share of a trading business which was valued at approximately £4m. Whilst working he had sufficient income from the trading business to cover his expenditure but that would cease on retirement. He has a pension valued at c.£1m to access as required alongside the full state pension
Tom – Business and commercial property ownerRead more
Large London-based IFA
Serge, Business Owner