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


£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.


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.


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


£10,000 plus small works pension


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


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 -


Pension pot of £500,000


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


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 -


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


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.


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

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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

    Kirsty Henry Prosperis

    Kirsty Henry

    Executive PA and Paraplanner

    Niall Gunn Prosperis

    Niall Gunn

    Managing Director

    Nicholas Utting Prosperis

    Nicholas Utting

    Associate Director

    Paul Meehan Prosperis

    Paul Meehan



    Matthew Tallant

    Financial Adviser

    Alice Cockshutt

    Graduate Trainee Financial Adviser

    Steve Ellis

    Head of Employee Benefit Consulting

    Kay Fishburn Prosperis

    Kay Fishburn


    Louise Davidson Prosperis

    Louise Davidson

    Accounts Manager

    Matthew Harris Prosperis

    Matthew Harris

    Head of Operations

    Sandra Coles Prosperis

    Sandra Coles


    David McLaughlin

    Financial Adviser

    Samantha Campey

    Corporate Services Associate

    Anna Ryder

    Client Services Associate

    David Carrington - Prosperis

    David Carrington

    Corporate Development Director

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