Peter had run his own Engineering company since he was 28. When he met with a planner he was 71 and his concerns were clear. He believed that he simply had not yet reached a point where he could retire and safely meet all of his and his wife’s future expenditure commitments. During the initial discovery meeting it was clear that they had spent their years working every hour possible and saving hard. They had not enjoyed working in the business for many years but felt they could not get out. This was their one overarching objective, to be free of the business and enjoy their retirement.
Using Financial Planning Software, we were able to show how much money they needed to allow them to meet their spending requirements and mains goals, to retire today, to take a cruise each year and to buy a property in Portugal so they could spend 3 months of the winter there.
We then went about crunching the numbers to ascertain future expected spending levels in both early and later retirement. We were then able to provide Peter and Mary with their ‘Number’. The amount of money they would need, using agreed assumptions, to do all the things they wanted to do.
An analysis of their finance quickly showed they had accumulated significant saving and investments over the years. The planning process enabled us to see what investment strategy was needed and these were re-structured accordingly. Most importantly, by knowing their ‘Number’ we cold calculate the exact sale price which they needed to receive in a sale of their business. This meant that they would not need to hold out for a long period of time to try and achieve the highest possible price, but instead proceed with the sale and live the life they had been waiting to for 15 years.
The planning process showed that Peter and Mary could have in fact retired 5 years earlier but without the advice received
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