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Case 1 Mr Oct – Plan Start 06.04.2025

Mr: 19/09/1964 - Son: 03/05/1983

Biz owner.

Widowed, has 100% of previous spouse NRB/RNRB

Expenses

Lifestyle spending 4,250 pm.
Holidays 1kpm
Car upgrades every 4 years, 7.5k each time.

Income

Mr: £0, not drawing from the biz. Looking to sell it soon.

Savings

HSBC savings £50k

Investments

Mr: ISA - £100k

Property

- Main Residence £500k, mortgage free, purchase price £300k.

- Business, Ltd Co, valued at £1m, no debt. GR0%.

Pensions

Mr - £500k, no contributons.

Mr (inherited pension pre age 75) 250k, initial 200k.

Protection

None.

Run the Insights

What Ifs

1 Change the pension liquidation order.

2 Change life expectancy what if

3 Less Tax – Withdrawal limits.

Overview legacy

- Make sure the Sweep Accounts are set

up correctly

- Present the case - screen by screen,

I+E - BS - TL - LS

- Reports - page by page and discuss

- Update and Promote

Financial Levers

1: Die Sooner - Mr 75 +Mrs 80
2: Spend Less – step down at F.I.D to 45k
3: Earn More + Invest More – Mr incr inc to 120k – incr ISA to 20k
4: Invest More – pension both 6% 6% er + ee
5: Increased Returns – incr to 6.5% inside items, not preferences.
6: Work Longer – F.I.D to 73 Mr (small bit of RED at the end of cashflow)
7: Rightsize – age 75 - 50% of current value
8: Equity Release – age 80 add an event – 800k @ 5% interest – dual charts ‘debts’
9: Combination ??? 20k ISA – pensions 6%+6% - GR item >6.5%