Already retired – Andrew and Janet


Andrew and Janet were married, in their 60s, with two grown-up children and four grandchildren.

They had retired on a good pension income, which more than met their lifestyle needs. They owned a large property outright, with a lot of equity. The couple also had a good number of pensions, savings and investments.

Their ultimate goal was to help their children with property purchases to support their growing family.

What did we do?

We identified how much money Andrew and Janet could give away to their family, either as a lump sum or a sum on a regular basis, without impacting their current lifestyle.

We recommended they release equity on their home to obtain funds; which would be more helpful to their family now than an inheritance in 20-30 years.

The outcome

Andrew and Janet’s children were able to purchase new properties which were much more suitable for their families; their lives have been greatly improved.

Andrew and Janet feel very happy to have made a positive impact on their children’s and grandchildren’s lives, whilst also knowing that their own financial future is secure.