Personal

Our personal client path helps you make sense of your future.

It’s a 3 step process...

Tailored to your needs...

Our real world case study examples let you see how your needs and individual circumstances can be best met by our experieced team.

Planning for retirement

Name Age Income
Barry & Brenda 50 & 56 £75,000

Savings:

£100,000 and £120,000 in company pensions plus final salary pensions from 15 years’ service with a utilities company and 10 years’ service with a chocolate manufacturer.

Need:

Following a pension MOT/healthcheck on the Sarah and Jack’s current situation, the main objective was to consolidate the pension wealth into one single solution.

Solution:

Cashflow model, move to platform to consolidate savings and pension, transfer one final salary scheme maintain the other, tailored investment solution, flexibility to start retirement when required.

Protecting against the unforseen

Name Age Income
Sarah and Jack 35 & 40 £50,000

Savings:

£10,000 plus small works pension

Need:

A young family who are looking to protect against the unforseen to cover mortgage and other liabilites

Solution:

e.g. Life cover to complement existing DIS, PHI, critical illness and savings plans

Making dreams for retirement come true

Name Age Income
John 65 -

Savings:

Pension pot of £500,000

Need:

At retirement age and wants to discuss goals for retirement. John wishes to buy a new car enjoy things including travelling to visit friends abroad and be a supportive father and grandfather

Solution:

A financial plan was developed taking a comprehensive view of the individual's assets, including all pensions and savings accounts. A cash flow forecast was also produced allowing John to look at how their finances would look in five years' time and thereafter.

Inheritance tax planning

Name Age Income
Carol & Simon 66 & 68 -

Savings:

Private and state pensions provide an income of £80,000 a year. Topped up with income from their investment portfolio, but it is taxed at the higher rate. UK Investment Property - £300,000 UK Home - £800,000 ISA's - £250,000 Investment Portfolio - £200,000 TOTAL - £2,800,000

Need:

Carol & Simon are reviewing their Wills and have asked Prosperis to assess the potential IHT liability and whether there are any options to reduce it through planning.

Solution:

Set up Discounted Gift Trusts (DGT) to reduce potential IHT, produce suitability report to explain how DGT works and make recommendations

Call us now to book your FREE initial meeting...

01423 223640

We can arrange a time that best suits you to meet with our qualified financial advisers to discuss your personal situation and requirements.

Let us help you get your future sorted today, we look forward to hearing from you!

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Meet the team helping you

Louise Davidson Prosperis

Louise Davidson

Accounts Manager

Kay Fishburn Prosperis

Kay Fishburn

Paraplanner

David McLaughlin

Samantha Campey

Corporate Services Associate

Nicholas Utting Prosperis

Nicholas Utting

Associate Director

Sandra Coles Prosperis

Sandra Coles

Paraplanner

Matthew Harris Prosperis

Matthew Harris

Head of Operations

Matthew_Tallant_Prosperis

Matthew Tallant

Financial Adviser

Kirsty Henry Prosperis

Kirsty Henry

Executive PA and Paraplanner

Paul Meehan Prosperis

Paul Meehan

Chairman

David Carrington - Prosperis

David Carrington

Corporate Development Director

Anna Ryder

Client Services Associate

Niall Gunn Prosperis

Niall Gunn

Managing Director

Natasha Jockel Prosperis

Natasha Jockel

Graduate Trainee

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