Cash flow Plan
Background
Mr & Mrs Client are in their mid 40s with two young children. They are both low earners partly living off income generated from Mrs Client’s divorce settlement and were constantly worried about over spending.
- Pension Fund – £150K
- House Value – £375K
- Investments – £650K
Challenges
With a high level of invested assets but relatively restricted income, any additional income that could be earned was viewed as a bonus. Mrs Client was particularly concerned about eroding her investments.
What We Did
We analysed their expenditure and then created a lifetime cash flow plan – which showed they could actually afford to be less frugal than they were being.
A true risk profile showed she could also be less cautious with her investments than she thought and she moved existing assets on to a WRAP platform designed to meet their future income needs.
The Results
Mrs Client was able to increase expenditure and live more comfortably rather than worrying about ‘can we afford a holiday this year?’ They also found that, if they wished, they could even provide a private education for the girls.
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