James and Rachel approached us when they were about to receive a large inheritance from James’ aunt.

• In their early forties, neither of them felt that they had enough time either for each other or their young son, William, aged five. Rachel had returned to work part-time after having William, but with him starting school she wanted to be there for him more, and struggled managing a high profile job on part-time hours. James, meanwhile, was working long hours for a company for whom he’d worked for a number of years, and was feeling undervalued and having to commute some distance for a job he didn’t really enjoy.
• There were keen to move from their current home and buy a larger property in which they could live at least until retirement.
• They were struggling to work out how their own short term concerns could be balanced with longer term worries, like funding William’s education, retirement and so on.
• At the prospect of receiving such a large sum of money, they wanted to make sure that it was put to best use, but they also wanted to have a little to play with!

Over the course of our relationship with James and Rachel, we have:

• Advised them to repay their mortgage in full
• Invested monies to provide them with the necessary funds for their son’s future education
• Developed a cohesive investment strategy in line with their risk attitude and suited to the level of risk they need to be taking to achieve their objectives
• Developed a clear plan to help them retire early
• Ensured their plans are underpinned by protection plans to provide financial security if the worst should happen

By doing so, we have enabled them to reach a position where:

• Rachel is confident in her decision to give up work, meaning she can spend more time with William as he starts school
• James has moved employers, working for a company much closer to home which means that family life isn’t confined to the weekends
• They have moved to a new home they love
• Both James and Rachel have spoilt themselves a little, buying new cars
• They have a clear vision of what needs to happen in the future to remain on track and achieve their plans and aspirations